SafePoint 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
SafePoint is a coastal-focused admitted and E&S property carrier writing personal and commercial P&C business through independent agents in AL, FL, LA, MS, NJ, and TX. It emphasizes property-driven risks rather than auto, with a strong focus on wind‑exposed homeowners and small commercial property.([safepointins.com](https://www.safepointins.com/)) PREFERRED / TARGET BUSINESS - PERSONAL LINES: Standard and preferred Homeowners (HO3, HO4, HO6) and Dwelling Fire risks in coastal states, especially Florida and Gulf states. Risks are expected to be well‑maintained, fully insured to value (RCV or ACV as selected), with no significant prior losses.([safepointins.com](https://www.safepointins.com/)) - RESIDENTIAL FLOOD: Policies written to complement NFIP limits (excess flood) for 1–4 family residential and small commercial properties where building values exceed NFIP maximums (~$250,000). Marketing encourages agents to target higher‑value dwellings in flood-prone or wildfire/storm‑impacted areas and to cross‑sell flood on existing SafePoint property business for retention.([safepointins.com](https://safepointins.com/flood/)) - SMALL COMMERCIAL: Main Street property accounts (retail, restaurants, offices, apartments/condos, warehouses, houses of worship, shopping centers) with good loss history and standard construction/occupancy. General guidelines require buildings to be insured to value and business income to be properly documented when higher limits are requested.([ms.safepointins.com](https://ms.safepointins.com/wp-content/uploads/2021/02/2020-July-Updated-Presentation-MS.pdf?utm_source=openai)) RESTRICTED / DECLINED CLASSES (COMMERCIAL PROPERTY GUIDE – APPLIES BY ANALOGY TO PROPERTY LINES) - Locations in close proximity to coastal waters require catastrophe modeling and are subject to underwriting approval and possible facultative reinsurance (FAC) pricing before binding.([ms.safepointins.com](https://ms.safepointins.com/wp-content/uploads/2021/02/2020-July-Updated-Presentation-MS.pdf?utm_source=openai)) - Seasonal occupancies (e.g., seasonal businesses, vacation‑heavy locations) are not automated: they require a completed Seasonal Business supplemental application and explicit underwriting referral prior to binding.([ms.safepointins.com](https://ms.safepointins.com/wp-content/uploads/2021/02/2020-July-Updated-Presentation-MS.pdf?utm_source=openai)) - Higher total insured values: Property limits above $10,000,000 at a single or aggregated location require underwriting approval and FAC pricing; spread‑of‑risk schedules with individual locations under approximately $2,000,000 may be considered more favorably.([ms.safepointins.com](https://ms.safepointins.com/wp-content/uploads/2021/02/2020-July-Updated-Presentation-MS.pdf?utm_source=openai)) - Business income limits: BI above $300,000 generally require a completed Business Income Worksheet; maximum BI typically capped at $750,000 subject to underwriting review.([ms.safepointins.com](https://ms.safepointins.com/wp-content/uploads/2021/02/2020-July-Updated-Presentation-MS.pdf?utm_source=openai)) - General Liability: GL limits greater than $1,000,000 occurrence / $2,000,000 products aggregate are subject to underwriting eligibility review and potential FAC purchase; accounts not eligible for GL may still be considered for monoline property subject to underwriting.([ms.safepointins.com](https://ms.safepointins.com/wp-content/uploads/2021/02/2020-July-Updated-Presentation-MS.pdf?utm_source=openai)) - Flood: For excess flood written via the Solstice platform, the carrier expects compliance with standard NFIP/FEMA rules and underwriting screens. Properties with severe, repetitive flood losses or located in extremely high‑hazard zones without adequate primary NFIP coverage are generally discouraged and may be declined by the platform underwriting team. (This is inferred from the emphasis on complementing NFIP, value thresholds, and use of an underwriting desk rather than explicit published declination lists.)([safepointins.com](https://safepointins.com/flood/)) GEOGRAPHIC NOTES - Core appetite is coastal states: AL, FL, LA, MS, NJ, and TX for homeowners, dwelling fire, and related personal lines.([nsure.com](https://nsure.com/insurers/safepoint-insurance/?utm_source=openai)) - Commercial and flood appetite aligns with these same coastal states, with explicit modeling triggers and heightened review for properties near oceans or other major coastal waters. - Louisiana and Mississippi have dedicated depopulation and agency‑relations contacts; agents should expect additional scrutiny for catastrophe‑exposed business and should work through local agency relations or underwriting contacts on edge‑of‑appetite submissions.([lacitizens.com](https://www.lacitizens.com/docs/default-source/depopulation-rounds/depop-round-17/contact-list---all-r17d1318809812a66bb81fdff0000c32cb1.pdf?sfvrsn=b51bee03_2&utm_source=openai)) SUBMISSION & BINDING EXPECTATIONS - PROPERTY INSURANCE‑TO‑VALUE: All buildings must be insured to value; SafePoint requires ITIV based on the selected valuation (RCV or ACV). Underwriters may request valuation support for larger or complex risks.([ms.safepointins.com](https://ms.safepointins.com/wp-content/uploads/2021/02/2020-July-Updated-Presentation-MS.pdf?utm_source=openai)) - CATASTROPHE‑EXPOSED OR COASTAL PROXIMITY: Submissions for locations close to coastal waters must allow time for modeling and potential FAC pricing before binding; agents should not bind without explicit underwriting clearance when modeling is required.([ms.safepointins.com](https://ms.safepointins.com/wp-content/uploads/2021/02/2020-July-Updated-Presentation-MS.pdf?utm_source=openai)) - HIGH LIMITS / COMPLEX RISKS: - Property TIV > $10M or BI > $300K: submit full statement of values, completed Business Income Worksheet, and any supplemental forms early for review. - Seasonal risks: submit standard ACORDs plus SafePoint’s Seasonal Business supplemental application. - FLOOD (SOLSTICE PLATFORM): Agents use the Solstice flood system to quote and bind primary and excess flood, including midterm excess offers on in‑force flood policies. Underwriting and service are handled through the centralized flood desk (spi.underwriting@solstice.tech, 1‑833‑853‑9311).([safepointins.com](https://safepointins.com/flood/)) BROKER / PRODUCER NOTES - DISTRIBUTION: SafePoint writes exclusively through independent agents; there is an agent login / policy management portal on the main site. New agents and existing partners are directed to use this portal and agency contacts for submissions and policy service rather than direct‑to‑consumer channels.([safepointins.com](https://www.safepointins.com/)) - FLOOD CONTACTS: Dedicated contact details are provided for customer service, underwriting, claims, and tech support on the flood page (central Solstice team). Agencies should route all flood underwriting questions and off‑appetite scenarios to spi.underwriting@solstice.tech or the listed phone number before binding.([safepointins.com](https://safepointins.com/flood/)) - PERSONAL VS COMMERCIAL: The main site clearly segments Personal Lines vs Commercial Lines, each with separate phone and email contacts. Agents should send personal HO/DF inquiries through the personal lines contacts and commercial package or property submissions through the commercial lines contacts shown in the footer.([safepointins.com](https://www.safepointins.com/)) NOTES & LIMITATIONS - SafePoint does not publicly post a fully detailed personal‑lines underwriting manual; commercial guidelines and flood marketing/operations materials were used to infer risk appetite themes (ITIV requirements, coastal modeling, FAC use, and treatment of seasonal and high‑limit risks). For any borderline class or geography, agents should email the appropriate underwriting contact for written clearance prior to binding.