Southern Fidelity Managing Agency (Capitol Preferred 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
Southern Fidelity Managing Agency’s homeowners program written through Capitol Preferred Insurance Company is no longer an active market. Capitol Preferred Insurance Company, Inc. was merged into Southern Fidelity Insurance Company and is now in receivership/liquidation under the Florida Department of Financial Services; all former Capitol Preferred business is being handled as part of the receivership estate, not as an ongoing underwriting platform. Operationally, this means there are no current, valid underwriting or appetite guidelines for writing or renewing new homeowners business with Southern Fidelity Managing Agency/Capitol Preferred. Agents and brokers should treat the carrier as unavailable for new quotes, binds, or rewrites, regardless of prior product materials or historical appetite (Florida coastal and inland HO policies). Any older producer guides, appetite summaries, or underwriting manuals you may have saved should be considered obsolete and not used to place or represent coverage. Preferred / target business: Not applicable. The carrier is not accepting or soliciting new or renewal homeowners risks. Any prior indications that standard preferred, near‑standard, or DP risks were acceptable are now moot due to receivership. Restricted or declined classes: Functionally, all classes are declined because no new or renewal policies should be written. Policies in force at the time of receivership would follow instructions from the receiver regarding continuation, cancellation, assumption by another carrier, or placement with a state residual market. Geographic notes: Capitol Preferred historically focused on Florida and some neighboring Southeastern states, but as of the receivership order there is no active geographic appetite. Florida OIR and the Receiver provide direction to policyholders on transitioning to other insurers or to Citizens Property Insurance Corporation where eligible; agents should move business to other admitted markets or Citizens in accordance with each carrier’s guidelines. Submission requirements: There are no valid submission pathways for new business—online portals and agent appointment processes previously used for Southern Fidelity/Capitol Preferred should not be used to request new policies. For existing legacy policies still in runoff or subject to court/receiver directions, agents must follow the notices and instructions issued by the Florida Department of Financial Services and any assuming carriers (e.g., timelines for replacement coverage, documentation needed to transfer or cancel policies). Broker / producer instructions: Do not market, quote, or bind coverage on Southern Fidelity or Capitol Preferred paper. Instead, focus on moving any remaining in‑force accounts to viable markets and assisting insureds in complying with any receiver communications. If you receive consumer or lender questions, direct them to the official receiver website and explain that the company is in liquidation and cannot provide ongoing coverage. Maintain documentation of all re‑marketing efforts in case of E&O questions. Because the carrier is in receivership, there is no contemporary, official underwriting or producer guide to summarize beyond the fact that the insurer is not an available underwriting market.