Sawgrass Mutual Insurance Company
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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
Sawgrass Mutual Insurance Company is no longer an active homeowners insurer and does not maintain current underwriting, appetite, or producer guidance. Regulatory/operational status: - The Florida Office of Insurance Regulation and Department of Financial Services placed Sawgrass Mutual Insurance Company into receivership for purposes of liquidation effective October 1, 2018. All Sawgrass policies had already been cancelled effective September 1, 2017, at which point policies were transferred to Heritage Property & Casualty Insurance Company under a consent order. ([myfloridacfo.com](https://myfloridacfo.com/docs-sf/rehabilitation-and-liquidation-libraries/public-receiver-internal/552_NOT_20181130_NoticeofLiquidation.pdf?utm_source=openai)) - Sawgrass is being administered as a liquidated insurer estate by the Florida Department of Financial Services, Division of Rehabilitation and Liquidation, and no new or renewal business is written. ([myfloridacfo.com](https://myfloridacfo.com/docs-sf/default-source/rehab-and-liquidation_publicdocuments_files/552_QST_20201231_FinancialStatement.pdf?utm_source=openai)) Implications for underwriting/appetite: - No current underwriting appetite, guidelines, or producer instructions exist for Sawgrass Mutual; the company is not a market for new submissions. - All classes of business, including homeowners and property lines formerly written by Sawgrass, are effectively declined because the company is in liquidation and has no active policies. - Any prior guidelines that may have applied while Sawgrass operated (homeowners and allied property lines in Florida) are obsolete and should not be used for placement decisions. ([myfloridacfo.com](https://myfloridacfo.com/docs-sf/default-source/rehab-and-liquidation_publicdocuments_files/552_OTH_20221011_SawgrassMutualInsuranceCompanyInsolvencyReport.pdf?utm_source=openai)) Geography: - Sawgrass was a Florida‑domiciled property and casualty insurer licensed to write homeowners and related property lines only in Florida. With liquidation complete and all policies cancelled, there is no active geographic footprint or appointed-agent network. ([myfloridacfo.com](https://myfloridacfo.com/docs-sf/default-source/rehab-and-liquidation_publicdocuments_files/552_OTH_20221011_SawgrassMutualInsuranceCompanyInsolvencyReport.pdf?utm_source=openai)) Submission/producer handling going forward: - Do not submit any new business, endorsements, or renewals to Sawgrass Mutual; agents and brokers should instead place homeowners coverage with active Florida insurers (including any successor or replacement carriers they are appointed with, such as Heritage Property & Casualty where applicable). ([myfloridacfo.com](https://myfloridacfo.com/docs-sf/rehabilitation-and-liquidation-libraries/public-receiver-internal/552_NOT_20181130_NoticeofLiquidation.pdf?utm_source=openai)) - Any remaining questions about old Sawgrass policies or claims should be directed to Heritage Property & Casualty for policy/claim handling and to the Florida Department of Financial Services, Division of Rehabilitation and Liquidation, for receivership or proof‑of‑claim issues. ([myfloridacfo.com](https://myfloridacfo.com/docs-sf/rehabilitation-and-liquidation-libraries/public-receiver-internal/552_NOT_20181130_NoticeofLiquidation.pdf?utm_source=openai)) Operational note for brokers: - Treat Sawgrass Mutual Insurance Company strictly as a liquidated, legacy carrier. Remove it from active comparative raters, marketing materials, and carrier option lists, and ensure staff are aware that no appetite or underwriting guidelines remain in force.