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 writing homeowners business through appointed agents statewide, with core emphasis on owner-occupied residential property and related dwelling/fire business shown in its agent platform materials. Verified agent resources show quoting/binding support for HO-3, HO-6, and DP-3 / dwelling fire workflows, with occupancy selections for primary, secondary, and seasonal residences. Operationally, the clearest current underwriting guidance published on the official site is system/process guidance rather than a public appetite bulletin: agents quote through OIConnect/Lightning Quote, must enter full applicant, property, carrier, and occupancy data, and underwriting memos route to the binding agent. Olympus also indicates high-value interior inspections are ordered at no cost to the insured for homes with Coverage A of $750,000 and higher. Geographic scope is Florida; agent-facing and consumer-facing pages repeatedly position the company as a Florida homeowners insurer and note partnership with agents across the state. Flood is not part of the standard homeowners form and is handled through partner markets (NFIP/Bankers and Neptune private flood); when a risk is in a special flood hazard area, the quote flow asks whether flood insurance is maintained, which is an important submission detail for agents. No fully verified official public appetite guide was found that expressly lists preferred classes, prohibited risks, protection class limits, age of home limits, coastal restrictions, or detailed decline classes, so those items should be treated as not publicly confirmed from the carrier website. Producer notes currently verified: prospective personal-lines agencies can apply online, and Olympus requests an agency business plan plus loss runs from two standard homeowners markets for appointments; underwriting contact is underwriting@oigfl.com and marketing/appointments contact is info@oigfl.com. Because no formal public appetite bulletin was verified, practical takeaway is to treat Olympus as a Florida homeowners carrier for appointed agents, confirm eligibility in OIConnect at quote stage, pay close attention to occupancy/use, flood-zone responses, and inspection triggers, and seek underwriter review for edge-case or coastal/high-value submissions not clearly handled in the portal.