Windward Risk Managers
Windward Risk Managers is a Florida-based managing general agent (MGA) distributing residential property insurance through carrier partnerships with Florida Peninsula, Edison, and Ovation Home, supported by a network of thousands of independent insurance agents.
- Company typePrivate
- Founded-
- HeadquartersBoca Raton, United States
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Windward Risk Managers does
Windward Risk Managers is a Florida-based managing general agent (MGA) that distributes residential property insurance on behalf of three carrier partners: Florida Peninsula Insurance Company, Edison Insurance Company, and Ovation Home. Headquartered in Boca Raton, the firm serves Florida homeowners, condominium owners, renters, and landlords/DP3 property owners by routing them to its carrier partners for coverage and managing the agent-facing distribution layer in between. The company does not underwrite risk itself; instead, it curates carrier partnerships, supports an independent insurance agent network described as 'thousands of agents' in size, and operates channel infrastructure (a dedicated agent portal at portal.windwardrisk.com, carrier-partner website integrations for direct quoting, and lead-routing/agent-finder functionality on its website).
The product surface is limited to four core lines: homeowners, condominium, renters, and DP3/landlord insurance. Underlying technology is not publicly disclosed — no proprietary platform features, APIs, SDKs, integrations, or AI/ML capabilities are documented in the available source material. Distribution relies on three coordinated channels (independent agents, carrier partner websites, and the agent portal), with marketing driven by content/SEO on windwardrisk.com and a LinkedIn corporate presence. Operational commitments surfaced publicly include a 98% customer satisfaction score, 24-hour claims inspection scheduling, 30-second chat response, and 30-day average claims cycle time — these are positioned by the company as evidence of service quality delivered in conjunction with carrier partners.
Windward makes money as an MGA: it earns commissions on home insurance premiums written through its agent network by its carrier partners. Pricing is quote-based and not publicly disclosed, with policy premium determined by individual risk factors at the carrier level. The company is privately held, employs 101–250 people, has no disclosed funding history, no institutional investors, no parent-subsidiary relationship, and no acquired entities. It has been recognized as a Great Place to Work (certification displayed for 2027) and operates exclusively within Florida, leaving its geographic and product-line footprint narrow by design rather than through any disclosed expansion signal.
Windward Risk Managers firmographics
Firmographics- Name
- Windward Risk Managers
- Legal name
- Windward Risk Managers
- Website
- https://windwardriskmanagers.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Windward Risk Managers is a Florida-based managing general agent (MGA) distributing residential property insurance through carrier partnerships with Florida Peninsula, Edison, and Ovation Home, supported by a network of thousands of independent insurance agents.
- Ownership category
- akta.pro rank
Windward Risk Managers industry classification
Industry- Product category
- Home Insurance Distribution (MGA)
- NAICS
- Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Insurance Program Administration & MGA/MGU Services (FSAEADAK)
- akta.pro secondary industry
- Real Estate / Lessors Risk BOP (FSAJAFAI)
Keywords
Where Windward Risk Managers is headquartered
LocationHeadquarters
- HQ city
- Boca Raton
- HQ country
- United States
- HQ region
- North America
Markets served
Windward Risk Managers business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- MGA/Broker Commission Revenue: Windward Risk Managers operates as a managing general agent or wholesale broker for home insurance carriers. The company earns commissions from carrier partners (Florida Peninsula Insurance, Edison Insurance Company, Ovation Home) for placing and managing home insurance policies. Revenue is generated through commissions on insurance premiums written through the agent network.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Quote-based insurance products |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Windward Risk Managers product offering
Product offeringCore offering
Windward Risk Managers is a Managing General Agent (MGA) that distributes homeowners and residential property insurance products on behalf of carrier partners, including Florida Peninsula Insurance Company, Edison Insurance Company, and Ovation Home. The company connects individual consumers and property owners with licensed independent insurance agents to obtain quotes and coverage, while also providing agent-facing tools, claims support coordination, and educational resources. Products are not internally underwritten; Windward earns commissions for placing and managing policies with its carrier partners.
Product overview
Windward Risk Managers operates as an insurance management platform that distributes homeowners and residential property insurance products through carrier partnerships. The company offers four core insurance products: Homeowners, Condominium, Renters, and DP3 & Landlord insurance. These products are not internally underwritten but are provided through partnerships with carrier companies including Florida Peninsula Insurance Company, Edison Insurance Company, and OvationR. Windward Risk Managers acts as an intermediary, providing quote distribution, agent networks, and claims processing support for its carrier partners.
Differentiator
Problem solved
Functional benefit
Products and services
- Homeowners Insurance
- Condominium Insurance
- Renters Insurance
- DP3 & Landlord Insurance
Quantifiable outcome
- 98% average quality and satisfaction score
- +3 more outcomes
Companies that use Windward Risk Managers
Customer profileSegments4 records
Ideal customer profiles4 records
Windward Risk Managers technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Windward Risk Managers partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- Florida Peninsula Insurance CompanycoreFlorida Peninsula Insurance Company is a carrier partner providing homeowners and property insurance products. Windward Risk Managers represents this carrier, and customers can obtain quotes through the carrier's website. The partnership allows Windward to offer Florida Peninsula coverage options to customers through the agent network.
- Edison Insurance CompanycoreEdison Insurance Company is a carrier partner offering homeowners insurance products. Windward Risk Managers distributes Edison Insurance products through its agent network and provides links to Edison's website for direct quote functionality. The partnership provides additional carrier options for customers seeking coverage.
- Ovation HomecoreOvation Home is a carrier partner providing home insurance solutions. Windward Risk Managers represents Ovation Home as a distribution partner, offering their insurance products alongside other carrier options to provide customers with diverse coverage choices.
Scale indicators5 records
Recent moves5 records
Expansion highlights3 records
Windward Risk Managers competitors and assessment
Company assessmentDirect peers
- People's Trust Insurance: Florida-focused homeowners MGA and carrier operating a managed-repair network and direct/agent distribution model. People's Trust is comparable as a vertically integrated Florida MGA competing for similar policyholders and agents.
- Olympus Insurance: Florida-focused residential property insurer leveraging an agent network. Olympus represents the same combination of Florida-only homeowners specialization and independent agent distribution that defines Windward's model.
- Slide Insurance: Florida-focused managing general agent and homeowners insurer. Slide operates a similar MGA-style distribution model centered on independent agents in the Florida residential market, directly competing with Windward for carrier relationships and agent appointments.
- American Integrity Insurance: Florida-focused homeowners insurer that works through an independent agent distribution model. Like Windward, it concentrates on residential property in Florida and competes for the same agent relationships and policyholder base.
- Tower Hill Insurance Group: Regional Florida homeowners and property insurer operating through independent agents. Tower Hill's product mix, geographic focus, and agent-driven GTM closely parallel Windward's positioning as an MGA in the same state.
- Heritage Insurance Holdings: Florida-headquartered property and casualty insurer that distributes through independent agents. Heritage overlaps directly with Windward on Florida homeowners and faces the same regulatory and catastrophe dynamics, making it a comparable carrier-side peer.
Broad incumbents
- HCI Group (Homeowners Choice): Florida-headquartered insurance holding company with homeowners and specialty property operations. HCI is a broader incumbent than Windward but operates in the same Florida residential property market with overlapping customer and agent dynamics.
- Universal Insurance Holdings (Universal Property & Casualty): Public insurance holding company with a significant Florida homeowners subsidiary. Universal is a larger incumbent that competes with Windward's carrier partners on appetite and agent commissions in the same Florida residential market.
Others
- Edison Insurance Company: Florida homeowners carrier and one of Windward's disclosed carrier partners. Edison is included as a counterparty peer rather than a competitor; it illustrates the type of carrier Windward is exposed to and the broader Florida homeowners insurance landscape in which Windward operates.
Emerging players
- Kin Insurance: Digital-first homeowners insurer that originated in Florida and has since expanded nationally. Kin competes for the same Florida homeowners customers but uses a direct/tech-driven model rather than Windward's traditional MGA-plus-independent-agent approach.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Windward Risk Managers social profiles
Digital presenceWindward Risk Managers financial estimates
Financial estimateRevenue estimate
Valuation estimate
Windward Risk Managers leadership team
Management profileNumber of profiles
Windward Risk Managers funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Windward Risk Managers M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Windward Risk Managers
What does Windward Risk Managers do?
Windward Risk Managers is a Managing General Agent (MGA) that distributes homeowners and residential property insurance products on behalf of carrier partners, including Florida Peninsula Insurance Company, Edison Insurance Company, and Ovation Home. The company connects individual consumers and property owners with licensed independent insurance agents to obtain quotes and coverage, while also providing agent-facing tools, claims support coordination, and educational resources. Products are not internally underwritten; Windward earns commissions for placing and managing policies with its carrier partners.
Is Windward Risk Managers a public or private company?
Windward Risk Managers is a private company. It is classified as unknown and is currently operating.
When was Windward Risk Managers founded?
Windward Risk Managers was founded in -1. It employs 101 to 250 people.
Where is Windward Risk Managers based?
Windward Risk Managers is headquartered in Boca Raton, United States, in the North America region.
How does Windward Risk Managers make money?
One revenue line is on record: MGA/Broker Commission Revenue.
Who are Windward Risk Managers's main competitors?
Direct peers on record are People's Trust Insurance, Olympus Insurance, Slide Insurance, American Integrity Insurance, Tower Hill Insurance Group and Heritage Insurance Holdings. Broad incumbents are HCI Group (Homeowners Choice) and Universal Insurance Holdings (Universal Property & Casualty). Edison Insurance Company is listed as an others. Kin Insurance is listed as an emerging player.
Does Windward Risk Managers have an API?
No public API is recorded for Windward Risk Managers.
What industry is Windward Risk Managers in?
Windward Risk Managers's product category is Home Insurance Distribution (MGA). Its primary akta.pro industry code is FSAEADAK, Insurance Program Administration & MGA/MGU Services, with a secondary code of FSAJAFAI, Real Estate / Lessors Risk BOP. Its NAICS code is 524210 and its SIC code is 6411.