Coastal Insurance Underwriters
Coastal Insurance Underwriters is a small Managing General Underwriter operating community association and small business insurance programs through independent agents, leveraging Lloyd's Coverholder status and a real-time quote-and-bind platform.
- Company typePrivate
- Founded2007
- HeadquartersPonte Vedra Beach, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Coastal Insurance Underwriters does
Coastal Insurance Underwriters, founded in 2007 and headquartered in Ponte Vedra Beach, Florida, operates as a Managing General Underwriter (MGU) for exclusive property and casualty insurance programs. The company's operational footprint appears closely tied to Starwind Community Associations, a division of CRC Insurance Services, LLC, which designs and manages insurance programs for condominium associations, homeowner associations (HOAs), and golf and country clubs under the Starwind brand. Starwind additionally offers a Small Business Solutions portfolio, broadening the commercial book beyond community association verticals.
The core product suite includes package policies and specialty coverages such as Cyber, Private Flood, and Legal Defense Gap, delivered through a web-based single-entry platform that enables independent agents and brokers to quote and bind coverage in real time. Underlying technology includes automation for complex insurance opportunities, predictive analytics supporting small business underwriting, and centralized policy management across carrier partnerships. The company holds Lloyd's of London Coverholder status, granting authority to underwrite and bind on behalf of Lloyd's Syndicates, and is recognized as a TMPAA Best Practice designee. The 2020 acquisition of Cybercom Technology suggests ongoing investment in platform capabilities.
The business model is commission-based MGA economics: the company earns a share of premiums written through its broker channel, supported by partnerships with financially strong, highly rated carriers and Lloyd's. Distribution is exclusively through independent insurance agents and brokers — no direct-to-customer sales — with active broker recruitment via a 'Become a Broker' portal. Pricing is quote-based and not publicly disclosed; contracts are structured as multi-year. The company is a small private operation with 1-10 employees, and no revenue or funding data is publicly disclosed. Leadership includes Chuck Bushong as President and CEO.
Coastal Insurance Underwriters firmographics
Firmographics- Name
- Coastal Insurance Underwriters
- Legal name
- CRC Insurance Services, LLC
- Website
- https://ciuins.com
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Coastal Insurance Underwriters is a small Managing General Underwriter operating community association and small business insurance programs through independent agents, leveraging Lloyd's Coverholder status and a real-time quote-and-bind platform.
- Ownership category
- akta.pro rank
Coastal Insurance Underwriters industry classification
Industry- Product category
- Managing General Underwriting / Specialty Property and Casualty Insurance
- NAICS
- Insurance Agencies and Brokerages (52421), Direct Insurance (except Life, Health, and Medical) Carriers (52412)
- SIC
- Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)
- akta.pro primary industry
- Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)
- akta.pro secondary industries
- Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD)
Keywords
Where Coastal Insurance Underwriters is headquartered
LocationHeadquarters
- HQ city
- Ponte Vedra Beach
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Coastal Insurance Underwriters business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Insurance Premium Distribution: As a Managing General Agent (MGA) and Lloyd's Coverholder, Starwind Community Associations earns commissions by underwriting and distributing insurance products through their network of carrier partners. They design and manage insurance programs for community associations and small businesses, earning a share of premiums written.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Quote-based pricing through broker portal |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
Coastal Insurance Underwriters product offering
Product offeringCore offering
Coastal Insurance Underwriters is a Managing General Underwriter that designs and manages exclusive property and casualty insurance programs distributed exclusively through independent insurance agents and brokers. Core programs include community association coverage (condominium associations, homeowner associations, golf and country clubs) with package policies and specialty coverages such as Cyber, Private Flood, and Legal Defense Gap, plus small business commercial solutions. Brokers access the programs through a web-based single entry platform with real-time quote and bind capability.
Product overview
Starwind Community Associations operates as a platform offering two core product lines: Community Association Products and Small Business/Commercial Products. The platform provides a web-based single entry automation system with real-time quote and bind capabilities. Community Association Products serve condominium associations, homeowner associations, and golf and country clubs with package policies and specialty coverages including Cyber, Private Flood, and Legal Defense Gap. Small Business Solutions provide real-time commercial quote options supported by predictive analytics and centralized policy management.
Differentiator
Problem solved
Functional benefit
Products and services
- Community Association Insurance Programs Tailored insurance solutions for condominium associations, homeowner associations, and golf and country clubs. Includes package policies and specialty coverages such as Cyber, Private Flood, and Legal Defense Gap. Distributed to licensed brokers through a web-based single entry platform with real-time quote and bind capability.
- Small Business Commercial Insurance Solutions Small business insurance solutions providing licensed insurance brokers access to a broad portfolio of real-time commercial quote options. Supported by web-based automation, predictive analytics, and centralized policy management for fast, accurate coverage tailored to evolving small business needs.
Companies that use Coastal Insurance Underwriters
Customer profileSegments4 records
Ideal customer profiles2 records
Coastal Insurance Underwriters technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature4 records
Coastal Insurance Underwriters partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Lloyd's of LondoncoreStarwind Community Associations operates as a Lloyd's Coverholder, giving them authority to underwrite and bind insurance business on behalf of Lloyd's Syndicates. This partnership provides access to Lloyd's financial strength and specialized insurance capacity for complex risks.
- Financially Strong Carrier PartnerscoreStarwind partners with financially strong, highly rated insurance carriers to deliver reliable and specialized insurance solutions. These carrier relationships power their innovative programs for community associations and small businesses.
Scale indicators1 record
Recent moves5 records
Expansion highlights4 records
Coastal Insurance Underwriters competitors and assessment
Company assessmentBroad incumbents
- CRC Group: Large specialty insurance wholesaler operating numerous MGU/program divisions (including the CRC Insurance Services entity under which Starwind operates). Comparable as a broad incumbent in the specialty wholesale/MGA space with overlapping product lines.
Direct peers
- Amwins: Largest US specialty wholesale distributor and MGA, providing specialty and excess & surplus lines through agents. Comparable due to MGA model, broker distribution, and emphasis on specialty property/casualty programs.
- Brown & Riding: Specialty wholesale brokerage focused on complex and excess & surplus lines, distributing through independent agents. Comparable as a wholesale-driven MGU serving similar commercial and niche risks.
- Burns & Wilcox: A major specialty insurance MGA/wholesale brokerage distributing specialty and surplus lines through independent agents. Directly comparable as a partner-channel-driven MGU with broad specialty product portfolios and Lloyd's access.
- Westrope: Specialty wholesale insurance broker and MGA delivering niche commercial and personal-lines products through agents. Comparable due to specialty underwriting focus and broker-channel distribution.
- Distinguished Programs: Specialty MGA providing insurance programs for niche commercial segments (hospitality, real estate, community associations, professional services). Highly comparable given shared community-association and niche-vertical underwriting focus.
- RPS (Risk Placement Services): Specialty MGA/wholesale broker placing complex commercial risks, including community association and property coverages, through agent and broker partners. Directly comparable distribution model and product mix.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Coastal Insurance Underwriters social profiles
Digital presenceCoastal Insurance Underwriters compliance and trust
Trust signalCompliance1 record
Coastal Insurance Underwriters financial estimates
Financial estimateRevenue estimate
Valuation estimate
Coastal Insurance Underwriters leadership team
Management profileNumber of profiles
Profiles1 record
Coastal Insurance Underwriters funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Coastal Insurance Underwriters M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Coastal Insurance Underwriters
What does Coastal Insurance Underwriters do?
Coastal Insurance Underwriters is a Managing General Underwriter that designs and manages exclusive property and casualty insurance programs distributed exclusively through independent insurance agents and brokers. Core programs include community association coverage (condominium associations, homeowner associations, golf and country clubs) with package policies and specialty coverages such as Cyber, Private Flood, and Legal Defense Gap, plus small business commercial solutions. Brokers access the programs through a web-based single entry platform with real-time quote and bind capability.
Is Coastal Insurance Underwriters a public or private company?
Coastal Insurance Underwriters is a private company. It is classified as corporate owned and is currently operating.
When was Coastal Insurance Underwriters founded?
Coastal Insurance Underwriters was founded in 2007. It employs 1 to 10 people.
Where is Coastal Insurance Underwriters based?
Coastal Insurance Underwriters is headquartered in Ponte Vedra Beach, United States, in the North America region.
How does Coastal Insurance Underwriters make money?
One revenue line is on record: insurance Premium Distribution.
Who are Coastal Insurance Underwriters's main competitors?
CRC Group is listed as a broad incumbent. Direct peers are Amwins, Brown & Riding, Burns & Wilcox, Westrope, Distinguished Programs and RPS (Risk Placement Services).
Does Coastal Insurance Underwriters have an API?
No public API is recorded for Coastal Insurance Underwriters.
What industry is Coastal Insurance Underwriters in?
Coastal Insurance Underwriters's product category is Managing General Underwriting / Specialty Property and Casualty Insurance. Its primary akta.pro industry code is FSAEADAJ, Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines), with a secondary code of FSAJAFAB, Mid-Market Commercial Package (Package Policies). Its NAICS code is 52421 and its SIC code is 6411.