Chronos Underwriters   

Chronos Underwriters
Security and Capacity

Insureds have to be able to count on their insurance when the need arises and clients depend on CHRONOS Underwriters for unique and sometimes difficult property insurance coverages.   That's why consistency, stability and creativity play such huge roles in our evaluation of Specialty Markets.  In selecting the below carriers, CHRONOS Underwriters stands ready to deliver the dependability and diversity our clients require.

Excess and Surplus Lines


Lloyd's Chain of Security links policyholders to a high quality well-structured capital base, illustrated by Lloyd's 300+ year track record of paying valid claims. Strong, stable ratings and underwriting expertise contribute to Lloyd's appetite to tackle risks that many other insurers are unequipped to take on. One example is Lloyd's leading support of CHRONOS Underwriters in supplying capacity for catastrophe property insurance programs throughout the Southeastern US. Lloyd's has withstood the test of time, providing security since their first marine policies were issued in 1688. Even with the further testing of the last two years, Lloyd's remains the world's leading specialist insurance market -- the market we can rely on. AM Best Rating “A” and Standard and Poor's Rating “A+”.

Please click this link to find out more about Lloyd's:

Zurich: (Steadfast Insurance Company Division)

Zurich Program provides specialized insurance to small- and mid-sized commercial and professional markets. Zurich Program, part of Zurich Financial Services Group (Zurich), is an insurance-based financial services provider with a global network of subsidiaries and offices in North America and Europe as well as in Asia Pacific, Latin America and other markets. Founded in 1872, the Group is headquartered in Zurich, Switzerland. It employs approximately 60,000 people serving customers in more than 170 countries. In North America, Zurich is a leading commercial property-casualty provides specialized insurance to small- and mid-sized commercial and professional markets. Steadfast Insurance Company (a member of Zurich Financial Services) is rated “A+” (Superior) by A.M. Best and Standard & Poor's Rating “AA-”.

Please click this link to find out more about Zurich:

HDI Global Specialty SE

HDI Global Specialty SE is a joint venture of Hannover Re and HDI Global, both being strong and established players in the insurance and reinsurance market. In 2019 Hannover Re sold 50.22 % of Inter Hannover shares to HDI Global. Combining the specialty activities of the Talanx Group in the renamed entity HDI Global Specialty SE, it is an excellent platform for putting together cross-business segment expertise and network reach. We have a global presence, delivering extensive reach for brokers and clients. Specialist local teams are highly qualified to give quick responses and informed support to the client’s local operations, specifically their special, unusual or difficult insurance needs.

Within our business model we have two distribution channels to approach the insurance market, Agency and Single Risk. To support our global risk coverage we have branches in the UK, Australia, Canada, Italy and Sweden. Our home office is located in Hannover, Germany.

HDI Global is rated A+ (Strong) S&P and
A (Excellent) AM Best.

Please click this link to find out more about HDI Global Specialty:

United Specialty Insurance Company

United Specialty Insurance Company is an affiliate of State National Companies. State National operates throughout the United States as a policy issuing carrier providing a bridge between unique market opportunities and reinsurance capacity. State National Companies was founded in 1973 and formed United Specialty Insurance Company (USIC) in 2006, which handles excess and surplus lines. United Specialty is rated A (Excellent) by AM Best.

Please click this link to find out more about United Specialty Insurance Company:

Lexington Insurance Company

Lexington Insurance Company, an AIG company, is the leading U.S.-based surplus lines insurer. For more than 40 years, Lexington has provided innovative property, casualty, healthcare, personal lines, and specialty lines insurance coverages and services to a wide array of organizations, solidifying Lexington’s position as a market leader. Lexington Insurance Company is rated A (Excellent) by AM Best and Standard & Poor’s rating of A+.

Please click this link to find out more about Lexington:


QBE the Americas is a division of QBE Insurance Group, one of the top 25 insurers and reinsurers worldwide with operations in all key global markets. QBE Specialty Insurance, headquartered in New York, is a leading program writer in the United States and comprises the underwriting programs of QBE and the former Praetorian Financial Group and North Pointe Insurance Company. QBE Specialty is recognized by long-term partnerships, ability to execute quickly on new opportunities, and continuous delivery of quality products and services on both an admitted and non-admitted basis. QBE Specialty has a broad appetite across all lines of business, with significant expertise in property markets, and can offer products throughout all 50 states. The property portfolio focuses on middle market accounts for homogenous groups and niche classes and consists of a well balanced catastrophe and non-catastrophe exposed book. QBE Insurance companies are rated “A” (Excellent) by A.M. Best and “A+” by Standard & Poor’s.

Please click this link to find out more about QBE:

Indian Harbor Insurance Company

Indian Harbor Insurance Company, a subsidiary of XL Group plc, is a U.S.-based, non-admitted excess and surplus lines carrier domiciled in North Dakota. XL Group plc, through its subsidiaries, is a global insurance and reinsurance company providing property, casualty, and specialty products to industrial, commercial, and professional firms throughout the world. Their financial rating is affirmed based on the group’s strong competitive position with a strong global market presence, strong property and casualty (re)insurance operating performance, and strong enterprise risk management. Indian Harbor is rated “A” (Excellent) by A.M. Best and “A” (Positive) by Standard & Poor’s.

Please click this link to find out more about Indian Harbor:

General Security Indemnity Company of Arizona

General Security Indemnity Company of Arizona (GSINDA) is a sister company to SCOR Reinsurance Company. Both are part of the SCOR Global P&C division of SCOR SE. SCOR Reinsurance Company, founded in 1974, writes property/casualty reinsurance in the United States specializing in treaties covering commercial and technical risks, as well as offering special risk facultative coverage. SCOR SE was founded in 1970 and is headquartered in Paris, France. General Security Company of Arizona is rated A (Excellent) by AM Best and Standard & Poor’s rating of A+.

Please click this link to find out more about SCOR:

Old Republic

Old Republic Specialty Insurance Underwriters (ORSIU) is part of the Old Republic General Insurance Group who specialize in the property & casualty (P&C) marketplace, and offer a wide variety of casualty insurance coverages and related services by companies specializing in insurance coverages or specializing by industries. The parent company, Old Republic International Corporation, is one of the nation's 50 largest publicly held insurance organizations. ORSIU insurance contracts are underwritten and issued by Old Republic Union Insurance Company (ORUIC). ORUIC is rated “A+” (Superior) by AM Best and “A+” by Standard & Poor’s.

Please click this link to find out more about
Old Republic:

Safety Specialty Insurance Company

Safety Specialty Insurance Company is the surplus lines subsidiary of Safety National and is wholly owned by Tokio Marine Holdings, Inc. Safety Specialty has strong financial backing, with Safety National in business since 1942 and Tokio Marine Group ranked among the top insurance groups in the world. Both Safety National and Safety Specialty have a capital support agreement in place with Tokio Marine and share a group rating A+ (Superior) from A.M. Best and Standard & Poor’s rating of A (Strong).

Please click this link to find out more about
Safety Specialty:


American Coastal Insurance Company:

American Coastal (ACIC) is an ADMITTED Insurance Company in the State of Florida with a statutory surplus of over $100M. The Certificate of Authority was received in June 2007 and the final approval for Rates and Underwriting Guidelines in August 2007.

ACIC’s current underwriting target is “Best of Class” Florida Garden Style Condominiums. “Best of Class” risks place an emphasis on positive secondary wind underwriting characteristics such as roof shape, bracing, hurricane straps where needed, and age of roof coverings for all ISO 1-6 construction. The ACIC filed rating plan is designed to provide competitive pricing along with enhanced coverages such as ISO Broad and Special Causes of Loss Forms as well as several extensions of coverage. American Coastal’s business plan is to provide secure capacity and good claims service for many years to come.

CHRONOS Underwriters is pleased to be appointed as the exclusive MGA for production and underwriting for ACIC. The CHRONOS Underwriters team brings multi-model analysis techniques and many years specialty underwriting experience to this niche market. We are excited to bring this additional insurance capacity to the State of Florida. American Coastal has a Demotech rating of “A”-Unsurpassed.

Please click this link to find out more about American Coastal:

Journey Insurance Company

Journey Insurance Company (JIC), is an Admitted Florida property and casualty insurance company offering homeowners and commercial residential property insurance for apartments in Florida. JIC was formed by United Insurance Holdings Corp. in strategic partnership with Tokio Marine Kiln (TMK). TMK is an affiliate of the Tokio Marine Group, a global insurance group established in 1879 operating in 38 countries and regions with over 38,000 employees worldwide, which carries an “A++” rating from A.M. Best. As a newly formed subsidiary of UIHC, JIC has received an “A-“ Financial Strength Rating and “a-“ Issuer Credit Rating from A.M. Best with a stable outlook.

Please click this link to find out more about Journey:

Home | Why Us | About Us | Exclusive Agents | Products | Submission Information | Downloads | Claims | Non-Renewal Notice | Security Capacity
Industry News | Staff Offices | Travel Directions | Online Login | Contact Us | Privacy Notice