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For Florida Commercial Property Owners
Your Commercial Property Insurance Might Be Rated Like It's on the Beach. It's Not.
A barrier island isn't "coastal" in most wind-pool models. Neither is a property sitting 3 miles inland. But plenty of agents rate them like they are.
That mistake pushes you into the 0-2 mile wind pool — more exclusions, higher premium, for coverage you don't actually need.
Florida commercial property owners have overpaid an estimated $2.3 billion over the last five years from misrated wind pools alone. We know which carriers rate coastal property correctly — and hold the contracts to write with them.
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