Florida’s largest voluntary writer of commercial residential property.
Writing commercial property in FL since 2007. Condo, HOA, apartment and assisted living properties.
See the product linesThe admitted solution for catastrophe-exposed commercial property in Florida.
- Demotech
- AExceptional
- KBRA
- A−Positive
- Parent
- Nasdaq ACIC
I’m an agent or broker.
Find your binding path. Retail agents and brokers place condo and HOA through AmRisc. Wholesale brokers place apartment and assisted living through Skyway.
For agents & brokersI manage a property.
Working with an association board? Start with the product line. Garden-style condos and HOAs flow through AmRisc.
Condo & HOA coverageI have a claim.
File through AmRisc for condo or HOA, Skyway for apartment and assisted living.
Report a claim
Nearly two decades of Florida commercial residential underwriting.
- Florida commercial residential since
- 2007
Based in Saint Petersburg, FL, writing through every Florida storm season since. The largest voluntary writer of commercial residential property in the state, with a catastrophe tower rebuilt every season.
Condo, HOA, apartment, and assisted living.
Garden-style FL condos and homeowner associations.
Garden-style risks built to current Florida wind standards. ISO Special Perils, Ordinance or Law, mitigation credits. The core of the Florida condo and HOA book since 2007.
Florida apartment communities, written through Skyway.
Risk-scored intake, inspection-driven pricing, deductible flexibility. Building, contents, business income, sinkhole, wind-driven precipitation.
Florida assisted and independent living facilities, written through Skyway.
Property-only coverage. ResiQuant-enabled intake with engineering-grade wind underwriting. Targeting risks with characteristics consistent with our apartment book.
In Florida, the reinsurance tower is the policy.
When a named storm lands, the structure behind the policy pays the claim. We rebuild that catastrophe tower every June 1, layering our own retention, the Florida Hurricane Catastrophe Fund, a panel of highly rated and collateralized reinsurers, and catastrophe bonds in the capital markets.
Carrier retention at the base, the in the middle, and a panel of traditional reinsurers above it, with catastrophe bonds layered throughout. Every program is built to exceed the Florida statutory minimum.
The traditional layers are placed with reinsurers rated A− or better by AM Best, or fully collateralized. A broad panel keeps concentration with any single counterparty low.
Participating in the state catastrophe fund lowers our cost of capital against the surplus-lines market, and that edge flows through to how we price the risk.
The catastrophe tower is rebuilt every June 1. Financial strength rated A (Exceptional) by Demotech and A− (Positive) by KBRA. Current program detail is filed with the SEC and posted at investors.amcoastal.com.
We don’t sell direct. Two MGAs feed every submission.
AmRisc Group
Exclusive MGA for our condominium and HOA business.
One of the largest MGAs in the country, specializing in hurricane-exposed properties.
Skyway Underwriters
Exclusive MGA for our apartment and assisted living business.
A newly formed MGA focused on catastrophe-exposed risk, running a proprietary risk-scored underwriting portal.
The team that runs the carrier.
Chris Griffith
PresidentRuns day-to-day carrier operations and the technology platform behind the MGA partnerships.
Troy Crawford
Chief Underwriting OfficerOwns underwriting strategy, risk selection, and portfolio performance across the book.
Svetlana Castle
Chief Financial OfficerLeads finance, treasury, reinsurance, and the rating-agency relationships.
J. Andy Gray
Chief Compliance and Risk OfficerOversees compliance, enterprise risk, and internal audit, and serves on the carrier board.