# Orchid Insurance > Personal catastrophe property MGA with proprietary digital underwriting platform ## At a glance | Field | Value | | --- | --- | | Type | MGA | | Region | NA | | Headquarters | Vero Beach, Florida, USA | | Founded | 1998 | | Employees | 51-200 | ## Overview Orchid Insurance (Orchid Underwriters Agency, LLC) is a personal lines property MGA and managing general underwriter (MGU) specializing in catastrophe-exposed residential insurance. Founded in 1998 and headquartered in Vero Beach, Florida, the company distributes homeowners, wind, flood, and builders risk coverage through a network of over 10,000 licensed agents and brokers across all 50 states, the Bahamas, and the Caribbean. Orchid was acquired by Brown & Brown, Inc. in April 2022 and now operates within the National Programs (Arrowhead Programs) segment. The company underwrites across a portfolio of approximately a dozen A-rated or better admitted and E&S carriers, offering homeowners, wind-only, private flood, excess flood, and builders risk programs. Its proprietary Marketplace portal serves as the central technology platform for agents, enabling digital quoting, binding, endorsements, payments, and policy document access from a single interface. In 2020, Orchid co-launched TRUE (Trusted Resource Underwriters Exchange), a reciprocal insurance carrier for catastrophe-exposed coastal states, in partnership with Homesite Group. Orchid underwrites more than USD 370 million premium-in-force as of 2024, making it one of the largest personal lines E&S managing general underwriters in the United States. The company holds a Great Place to Work certification (2025) and continues to invest in data analytics, digital underwriting tools, and catastrophe exposure management technology to support agent-distributed growth. ## Products & services ### Personal Lines Homeowners Insurance Standard homeowners insurance for owner-occupied properties, including coverage for catastrophe-exposed homes. Distributed exclusively through licensed agents and brokers. **Key features:** - Dwelling and personal property coverage - Liability protection - Optional bundled coverages and endorsements *Target users:* Homeowners in catastrophe\-exposed states *Distribution:* Licensed agents and brokers via Marketplace portal ### Wind Only Coverage Standalone wind peril coverage for coastal properties in catastrophe-exposed markets where standard homeowners policies exclude wind damage. **Key features:** - Wind damage coverage for homes in hurricane\-exposed coastal regions - Fills gap where standard policies exclude wind peril *Target users:* Coastal property owners needing standalone wind coverage *Distribution:* Licensed agents and brokers via Marketplace portal ### Private Primary Flood Insurance A private market flood alternative to NFIP for properties in flood-prone areas, offering competitive pricing and coverage options. **Key features:** - Private primary flood coverage - Alternative to or complement of NFIP policies *Target users:* Homeowners in flood\-prone areas seeking private flood alternatives to NFIP *Distribution:* Licensed agents and brokers via Marketplace portal ### Excess Flood Insurance Additional flood coverage above primary flood policy limits, available as a supplement to either NFIP or private primary flood policies. *Target users:* Homeowners requiring flood coverage beyond primary policy limits *Distribution:* Licensed agents and brokers via Marketplace portal ### Builders Risk Insurance Coverage for residential properties under construction or renovation, available through the Marketplace agent portal. **Key features:** - Coverage during construction and renovation phases *Target users:* Residential construction projects *Distribution:* Licensed agents and brokers via Marketplace portal ### TRUE \(Trusted Resource Underwriters Exchange\) A reciprocal insurance carrier co-launched with Homesite Group in November 2020 offering owner-occupied homeowners insurance in Florida, with planned expansion to Gulf, Southeast, and Mid-Atlantic states. Policyholders are member-owners. Received an initial A.M. Best rating of A- (Excellent), stable outlook. *Target users:* Homeowners in catastrophe\-exposed coastal states *Distribution:* Agent\-distributed through Orchid network ## Links - Website: - Directory profile: - Careers: - Linkedin: - Press/news: - Agent portal: --- *Last updated: 2026\-06\-04*