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
Carrier: Cypress Property & Casualty Insurance Company (Cypress Insurance Group branding). Overall appetite / geography: - Personal residential property and related coverages focused on Florida and Texas only; no indication of writing outside these two states. - Primary products: Homeowners, Condominium (HO-6 and similar), and Rental Property/landlord packages, with related catastrophe exposure (hurricane, wind, flood) managed via underwriting and mitigation credits. - Commercial appetite is limited to Artisan General Liability and Builder’s Risk plus some ancillary coverage benefits. Preferred / target homeowners & residential risks: - Owner-occupied or well-maintained residential properties needing standard Coverage A–E protections: dwelling, personal property, additional structures, loss of use, personal liability, and medical payments. - Risks that can be written in standard HO-3 or HO-6 forms in FL/TX, especially those that qualify for multiple credits (newer construction, secure communities, alarms, sprinklers, mitigation features, favorable roof characteristics, etc.). - Homes with demonstrable hurricane/wind loss mitigation features (roof deck attachment, roof-to-wall connections, qualified roof cover and shape, opening protection, etc.), which may earn premium discounts and indicate better physical risk quality. ([cypressig.com](https://www.cypressig.com/wind-mitigation-coverage-faq/?utm_source=openai)) Key coverage features and options (homeowners): - Core coverages: dwelling, personal property, other structures, loss of use/additional living expense, personal liability, and medical payments are standard within the homeowners protection offering. ([cypressig.com](https://www.cypressig.com/policies-products/homeowners-protection/)) - Optional endorsements frequently requested in underwriting discussions include: - Water backup (sewer/drain or sump overflow) - Replacement cost on personal property (vs. ACV) - Scheduled personal property and special personal property for broader perils - Equipment breakdown, ordinance or law, identity theft expense, increased loss assessment (common for HOA/condo contexts) - Dog and other animal liability, personal injury (e.g., libel/slander), foundation coverage (TX only), sinkhole loss (FL), and screened enclosure coverage (FL, hurricane-related). ([cypressig.com](https://www.cypressig.com/policies-products/homeowners-protection/)) - Available discounts (often used as practical underwriting levers): senior/retiree, secured community, protected subdivision, accredited builder, various burglar and fire alarm configurations, sprinklers, new home, new purchase (TX), companion policy (TX), loss-free renewal (TX), wind loss mitigation features, roof shape, superior construction, community building code, and Cypress builders risk connection. ([cypressig.com](https://www.cypressig.com/policies-products/homeowners-protection/)) Restricted/declined business (inferred from appetite – not explicitly listed on public site): - Public-facing materials do not enumerate specific prohibited classes (e.g., certain dog breeds, prior loss history, or high-occupancy uses). Those rules appear to be internal and accessed via the secure Agent Portal and state/program-specific manuals. - Given the coastal-cat focus and standard market positioning, agents should assume typical restrictions apply in CAT-prone states: older or poor-condition roofs, unmitigated high-wind exposures, significant prior losses, liability-heavy exposures (e.g., aggressive dog histories), and non-standard occupancies (short-term rental, rooming houses, etc.) will likely require underwriting review or may be declined through the portal. Geographic / program notes: - Coverage explicitly available only in Florida and Texas. ([cypressig.com](https://www.cypressig.com/)) - Agent resources include separate Florida and Texas ADM/FCA maps, implying territorial and concentration management by county/area and possibly by product. Submission & quoting process (agents/brokers): - All agent-facing underwriting, rate/quote, and policy issuance are run through the Agent Portal. The public Agent Resources page is essentially a pre-gate; actual underwriting manuals and appetite tools are behind login. - New business routing in the portal is segmented by state and policy type: - Florida: HO-3/HO-6, DP-3, GL. - Texas: HO-3/HO-6. Agents must select state and line of business before being routed to the correct underwriting/quote platform. ([cypressig.com](https://www.cypressig.com/agent-resources/)) - Existing policies are also segmented by state and whether the policy number begins with an “I”, which determines which servicing platform/portal the agent uses. ([cypressig.com](https://www.cypressig.com/agent-resources/)) - Underwriting support is positioned as accessible: the carrier highlights that agents can obtain access to underwriting staff and claims personnel to resolve unique or complex issues. Broker / producer instructions and expectations: - Cypress emphasizes independent agents as partners and commits to accurate reporting of product and strategy changes, stable reactions to changing market conditions, and long-term personal relationships. - Agents are expected to use the tools and technology provided, including API access and the agent portal, to quote and service business efficiently. - Appointment inquiries or enhancement suggestions are routed via a dedicated agent email ([email protected]), per the Agent Resources page, and appointment is a prerequisite for portal access and submission. Operational takeaways for underwriting & placement teams: - Treat Cypress as a regional property carrier with strong FL/TX homeowners, condo, and rental property capabilities and a defined CAT orientation. - For risk selection, prioritize: - FL/TX properties with good roof condition and documented mitigation. - HOA/condo/POA environments where increased loss assessment and building ordinance options are relevant. - Insureds willing to adopt available credit-eligible features (alarms, sprinklers, secure/guarded communities, accredited builders). - Direct questions about specific eligibility (e.g., dog breeds, short-term rentals, older roofs, water-loss history) to Cypress underwriting via the agent portal or underwriting contact, since these rules are not spelled out publicly. - For producers, the key workflow is: confirm state and line eligibility → use Agent Portal to rate and submit → leverage optional coverages and credits to align pricing and coverage with the insured’s needs → contact underwriting when risks sit outside the obvious appetite bands (e.g., unique construction, unusual liability exposures).