Florida Specialty Insurance Company
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
Florida Specialty Insurance Company (FSIC) is in liquidation and has not written or renewed policies since its court‑ordered liquidation on October 2, 2019, with all policies cancelled effective November 1, 2019. No current underwriting or appetite guidance applies because the carrier is no longer an active market. Operational status / placement impact - FSIC was a Florida‑domiciled property and casualty insurer writing personal residential lines including homeowners, condos, renters, manufactured homes, and other personal property coverages.([myfloridacfo.com](https://www.myfloridacfo.com/division/receiver/companies/detail/553?utm_source=openai)) - The company was ordered into liquidation by the Second Judicial Circuit Court in Leon County, Florida on October 2, 2019; all in‑force policies were cancelled as of November 1, 2019, and new claims filing deadlines have passed.([myfloridacfo.com](https://www.myfloridacfo.com/division/receiver/companies/detail/553?utm_source=openai)) - The Florida Insurance Guaranty Association (FIGA) is the guaranty association handling covered claims from the estate; current activity relates only to runoff and claim handling, not new or renewal underwriting.([myfloridacfo.com](https://www.myfloridacfo.com/division/receiver/companies/detail/553?utm_source=openai)) Preferred / acceptable business - None. FSIC is not an eligible placement market. Any historical preferred‑risk profile is obsolete for underwriting purposes and should not be used as a current guideline. Restricted or declined classes - All new or renewal residential property risks must be declined for placement with FSIC because the company is in liquidation and has no authority or operational capability to issue or service policies.([myfloridacfo.com](https://www.myfloridacfo.com/division/receiver/companies/detail/553?utm_source=openai)) Geographic notes - FSIC was licensed only in Florida and wrote personal residential property throughout the state prior to liquidation.([myfloridacfo.com](https://www.myfloridacfo.com/division/receiver/companies/detail/553?utm_source=openai)) - There is no remaining active geographic appetite or capacity; Florida residential risks formerly placed with FSIC must be written with another admitted or surplus lines carrier, or with Citizens Property Insurance Corporation when eligible.([insurancejournal.com](https://www.insurancejournal.com/news/southeast/2019/10/07/544788.htm?utm_source=openai)) Submission / broker instructions - Do not submit any new business, endorsements, or renewals to FSIC. Submissions will not be accepted or underwritten. - Agents with legacy FSIC policies (all cancelled in 2019) should remarket accounts to active carriers and follow FIGA / Receiver instructions solely for claim and estate matters. - Claims and estate issues are handled through the Florida Department of Financial Services, Division of Rehabilitation and Liquidation, and FIGA, per the state receivership notices.([myfloridacfo.com](https://www.myfloridacfo.com/division/receiver/companies/detail/553?utm_source=openai)) Practical guidance for agents - Treat FSIC as a closed, insolvent carrier used only as historical reference in loss runs. - For any insureds who still reference FSIC on prior policies, confirm that coverage was replaced in or after November 2019 with another market. - Follow standard Florida practice: if a private carrier cannot be found, evaluate eligibility for Citizens or surplus lines, but FSIC itself must never be listed as the insurer on new evidence of insurance, binders, or certificates.