Coastal Insurance Underwriters

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.

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

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 industry

PRIMARYFSAEADAJ

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines)

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Insurance Brokerage & Risk Advisory

SECONDARYFSAJAFAB

Mid-Market Commercial Package (Package Policies)

Financial & Insurance/Insurance — Motor, Property & Casualty/Commercial Package / Business Owners Policies (BOP)

SECONDARYFSAEADAD

Wholesale Insurance Brokerage (Excess & Surplus Lines)

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Insurance Brokerage & Risk Advisory

Keywords

• Managing general underwriting
• Property casualty programs
• Community association insurance
• Commercial insurance programs
• Insurance program administration

Headquarters

HQ city

Ponte Vedra Beach

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. 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

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core 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.

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• Lloyd's of LondoncoreStrategic or Co-development PartnerStarwind 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 PartnerscoreStrategic or Co-development PartnerStarwind 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

Broad 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

• LinkedInlinkedin.com/company/starwind/?viewAsMember=true

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Coastal Insurance Underwriters