Florida Commercial Property E&S · Shared & Layered
Florida property capacity for the risks other markets return.
Jade Underwriters writes shared and layered commercial property across Florida through the wholesale market. We know this wind exposure — machine-assisted intake, modelled cat, and an underwriter who answers the phone.
At a glance
Max line per insured
$5M
Max policy TIV
$25M / $5B
Territory
Florida
Distribution
Wholesale only
Capacity
Emerald Bay
Do you want this risk?
Florida-wide, ten core occupancies, seven hard exclusions. Published, not guessed at.
How much can you put up?
$5M maximum limit per insured, primary or excess layer.
How fast is the quote?
Auto-intake and scoring on receipt; modelled and rated in days, not weeks.
Appetite snapshot
Clear the risk before you build the file.
Core
Target occupancies
- Offices
- Habitational
- Retail
- Hospitality
- Shopping centers
- Condo associations
- Light manufacturing
- Educational facilities
- Municipalities
- Healthcare
Excluded
Do not submit
- Mining
- Aviation
- Energy
- Lumber & sawmills
- Agriculture (crops)
- Recyclers
- Risk-attaching programs
- Carrier-specific exclusions
Capacity & line guide
What we can put up, and where it attaches.
Measure
Portfolio A
Portfolio B
Max individual policy TIV
$25M
$5B
Max limit per insured
$5M
$5M
Minimum AOP deductible
$5,000
$25,000
Named storm / hail
Tier 1 / Zone 1: 2–5% of TIV · Tier 2 / Zone 2: 3% · All other wind/hail: 1%
Location aggregation capped at the $5M policy limit.
Deductibles set by risk characteristic per our underwriting guidelines.
How we underwrite
Submission to binder on one rail.
Your submission is ingested the moment it lands: the SOV is extracted, locations mapped, and cat and wildfire exposure scored against appetite. The layer is then catastrophe-modelled and rated, and a single policy record carries the risk from quote through to invoice — so nothing sits in an inbox waiting to be typed twice.
01
Submission
02
Triage & scoring
03
Pricing & rating
04
Quote
05
Bind order
06
Bind & binder
07
Invoice
08
Post-policy service
Automated intake & scoring
Licensed catastrophe modelling
Single policy record, quote to issuance
Leadership
A frontline president, not a layer of management.
Most new MGAs are built top down. Sophie underwrites the book she runs — the same relationships and creative structures that have produced profitable returns through every part of the cycle. When you call about a risk, you are talking to the person who decides it.
The name
Long-term, steady, profitable growth.
Jade is a wood-element stone: it feeds a fire rather than smothering it, and it endures. We took the name because that is how we intend to underwrite — writing for the whole cycle, not the soft part of it, and building a book that compounds instead of one that sprints.
Submit a risk
One form, one place.
Florida risks, wholesale and surplus lines brokers only. Upload the file through our submission form and it is extracted and scored on arrival, so a complete file moves the same day it lands.
Attach the SOV, loss runs and layer request in one step.
What to include
01
Statement of values with full COPE detail
02
Five years of currently valued loss runs
03
Target layer, attachment and requested limit
04
Occupancy description and protection details
05
Expiring terms and effective date
Inspections are ordered at bind and completed within seven days.