Olympus Insurance
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
Olympus is a Florida-focused personal property carrier positioned for homeowners with higher coverage expectations. Official site materials indicate primary Homeowners business with additional personal lines offerings including condo, townhouse, and landlord/rental (DP3) coverage; the site also references seasonal and secondary usage in agent application instructions, plus flood availability and scheduled personal property options. Preferred business appears to be well-maintained Florida residential property submitted through appointed independent agents, including owner-occupied homes and eligible residential rental/investment/seasonal risks where the proper form applies. Product messaging emphasizes broader water-damage coverage, replacement-cost roof coverage for covered losses, other structures such as docks/boat lifts, customizable personal property replacement coverage, and optional Spartan enhanced coverage. Geographic scope is clearly Florida only. Agent workflow notes show ZIP/address validation in the quote platform, with alerts for coverage limitations and/or ZIP restrictions, so coastal or otherwise capacity-managed territories should be checked in-system at submission. No public standalone appetite/declination bulletin was found on the official site, so restricted/declined classes are not expressly published on a public producer page; however, public claim/coverage guidance notes typical non-covered or problematic situations such as flood without separate flood coverage, vandalism or unattended pipe damage at vacant property, neglect, earthquake, nuclear hazard, and terrorism, and producers should treat vacancy/exposure-sensitive risks cautiously until confirmed by underwriting. Submission requirements visible on the official agent resource page include use of the OIConnect production system, selection of policy form/type and usage (Primary, Secondary, Seasonal), ownership type (trust, LLC, individual, other), applicant SSN/DOB and contact details, validated property address, and review of any automated area restriction alerts. Broker/producer notes: Olympus distributes through independent agency partners; prospective appointed agencies are asked to provide an agency business plan and loss runs from two standard homeowners markets. Contact points published for operational follow-up include underwriting@oigfl.com for underwriting and info@oigfl.com for marketing/appointments. Because the public website states it is for marketing purposes only and not a guarantee of coverage, final eligibility, restrictions, and underwriting rules should be confirmed in OIConnect or directly with Olympus underwriting.