Chronos Underwriters   

Chronos Underwriters
Florida Condo and HOA Admitted Risks

CHRONOS Underwriters is the exclusive MGA for American Coastal Insurance Company (ACIC). With unparalleled capacity, American Coastal is the largest writer of Condominium and Homeowner Associations in the State of Florida, with the exception of Citizens, the state-run insurance company. We bring multi-model techniques and many years of specialty underwriting experience to this niche market.

Target Risks:

  • Garden-style Condominium or Homeowner Associations
  • Mid/High-rise Condominium or Homeowner Associations
  • Best of Class - properties with updated or adequate mitigation protection

Excluded Risks:

  • Barrier Islands
  • EIFS cladding
  • Unprotected aluminum wiring
  • Mid-term or bare accounts
  • Less than 60% occupancy

Target TIV:

  • Garden-style: $1M - $100M
  • Mid/High-rise: $2.5M - $75M

Geographical Specialty:

  • Florida only
Risks should be emailed to
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