# ShoreOne Insurance Managers, Inc\. > Coastal homeowners and flood insurance in one policy, for independent agents ## At a glance | Field | Value | | --- | --- | | Type | MGA | | Region | NA | | Headquarters | Dedham, Massachusetts, USA | | Founded | 2019 | | Stage | Growth | | Employees | 11-50 | ## Overview ShoreOne Insurance Managers is a residential coastal property MGA distributing through independent insurance agents across Massachusetts, New Jersey, New York, Rhode Island, and South Carolina. Founded in 2019 by veterans of Narragansett Bay Insurance Company (NBIC), the company began writing policies in February 2021. ShoreOne underwrites a single integrated policy combining standard homeowners coverage with full private flood insurance, eliminating the gap that leaves many National Flood Insurance Program (NFIP) policyholders underinsured. Carrier capacity is provided by American European Insurance Company (AEIC) and Trisura Specialty Insurance Company. The company also launched BrightShore Insurance Company in February 2025, a subsidiary carrier offering homeowners coverage with built-in flood protection. A USD 125 million catastrophe bond was completed in April 2024 to support named storm risk transfer. In March 2026, ShoreOne was acquired by Totalis Program Underwriters, an NFP company (owned by Aon). The company continues operating as an independent business unit within Totalis. The acquisition brought a leadership change: Cameron Rhodes, formerly President and COO, became CEO, while founder Nick Steffey transitioned to an Executive Advisor role. As of the research date, ShoreOne insures more than 35,000 coastal homes and can issue a complete policy in under one minute through its agent-facing platform. ## Products & services ### Combined Homeowners and Flood Policy A single integrated policy covering both standard homeowners perils and full private flood protection for coastal residential properties. **Key features:** - Building coverage up to full replacement cost \(vs\. the $250,000 NFIP limit\) - Flood insurance included \-\- no separate NFIP policy required - Temporary housing coverage during property restoration - Single deductible, one claims process, one claims adjuster - Condominium coverage available *Target users:* Coastal residential homeowners in the northeastern US and South Carolina, served through independent insurance agents\. *Distribution:* Independent insurance agents; no elevation certificate required for quoting\. ### BrightShore Insurance Company A subsidiary carrier launched in February 2025, providing comprehensive homeowners coverage with built-in flood protection. *Target users:* Coastal residential property owners seeking combined homeowners and flood coverage from a single insurance carrier\. ## Links - Website: - Directory profile: - Contact: - Linkedin: - Press/news: - Company info: --- *Last updated: 2026\-05\-18*