Cypress Insurance Group
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Cypress Property & Casualty Insurance Company currently presents itself as a regional personal/property carrier writing through agents in Florida and Texas. Official public-facing materials show new-business portal paths for Florida HO-3/HO-6, Florida DP-3, Florida GL, and Texas HO-3/HO-6, indicating active appetite at minimum for owner-occupied homeowners and condo business in both states, plus Florida dwelling fire/rental-property and Florida general liability submissions through the agent portal. Public product pages also list rental property, condominium, builder’s risk, flood, and ancillary home coverages, but no detailed public underwriting matrix, class-by-class eligibility, protection-class limits, age-of-home rules, or hard declination list was found on the verified site. Preferred business appears to be standard residential property risks placed through appointed agents, with policy tailoring emphasized for homeowners, condo owners, and long-term rental properties; rental-property language specifically references permanent residences or long-term rentals rather than short-term occupancy. Geographic footprint is explicitly Florida and Texas. Submission access is agent-driven: agents use the online portal to route new business by state and policy type, and Cypress invites agencies seeking appointment to contact the company through the agent resources page. Broker/producer notes available publicly emphasize partnership with agents, access to underwriting and claims personnel, regular product/strategy reporting, technology support, and vendor/agent API access. No public official appetite guide or formal restricted/declined schedule was verified, so restricted classes should be treated as not publicly disclosed on the carrier site; brokers should expect coverage-specific eligibility, forms, and underwriting requirements to be confirmed inside the appointed-agent portal or with Cypress underwriting before marketing unusual, coastal, CAT-exposed, vacant, seasonal, short-term rental, or otherwise non-standard risks.