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I am a captive and know that we can't write HO3's in FL. We don't have a limitation to who we can send the business to but legally we can not collect payment on it since we are captive.
pburb who are you captive with? I know Allstate has a very few they are allowed to broker through, for example, St. Johns, Royal Pal, and United. Maybe 1 or 2 more. e-mail me at [email protected] if you need homeowners appointments in Florida. Good Luck.
Becareful with an MGA for homeowners in Florida because the very competitive companies are Peoples Trust, Federated, Heritage, and Prepared which no MGA has those four which we write 90% of the business with. Good Luck.