Overview
Swyfft is a homeowners and commercial property MGA distributing exclusively through independent insurance agents across multiple US states. The company was founded in 2014 by Richard Trezza and Sean Maher in Morristown, New Jersey.
The company underwrites personal lines homeowners (HO3), private flood, and commercial property programs using carrier partners rated A- or better by AM Best. Clear Blue Insurance Company serves as the primary fronting carrier for admitted homeowners policies; Lloyd's syndicates provide capacity for flood coverage. Binding authority covers the full quote-to-bind workflow through the agent portal.
As of its most recent public disclosures, Swyfft had approximately 1,100 appointed agents across its licensed states. The company operates exclusively through the independent agent channel and does not sell direct to consumers.
Products & Services
Homeowners Insurance (HO3)
Personal lines homeowners insurance with quotes generated from a property address only, delivered in approximately four to five seconds.
Key Features
- Guaranteed replacement cost on Coverage A (dwelling)
- Standard ISO HO3 policy form
- Coverage for dwelling, other structures, personal property, loss of use, personal liability, and medical payments
- Available in AL, CA, FL, LA, MA, MS, NC, NJ, NY, SC, TX
Target Users: Homeowners in standard and preferred tiers, including coastal and urban properties
Distribution: Independent insurance agents
Private Flood Insurance
Private flood coverage underwritten through Lloyd's of London (rated A- by AM Best).
Key Features
- Available as an alternative to NFIP
- Available in AL, CA, FL, LA, MA, MS, NC, NJ, SC, TX
Target Users: Homeowners seeking flood coverage in coastal and inland flood zones
Distribution: Independent insurance agents
Commercial Property Insurance (E&S)
Excess and surplus lines commercial property for non-standard risks.
Key Features
- Non-admitted E&S coverage
- Covers risks that do not qualify for standard admitted markets
Target Users: Commercial property owners in AL, CA, FL, LA, TX
Distribution: Independent insurance agents
Commercial Property Insurance (Admitted)
Admitted commercial property for apartment buildings, condominium associations, shopping centers, and office/professional buildings.
Key Features
- Admitted coverage
- Quick quoting via Swyfft agent portal
Target Users: Commercial property owners in IL, NJ, NY, WA
Distribution: Independent insurance agents