Carrier Partners

Alternate text (no commas) goes here. The right insurance company cares about you, your family, and your valuable assets.

No matter what insurance you are considering, you want to be sure you are working with a company that possesses the financial resources and stability to fulfill its promise to you, if you ever had to make a claim. That’s where USI Affinity comes in. We work with more than 15 different nationwide carriers (and that list is growing) to make sure you have the insurance coverage that fits your specific needs. As the largest privately held insurance company in the world, USI Affinity has the leverage to negotiate the best possible deals for our customers.

Our carrier partners below offer you a wide array of choice for your insurance needs.
American Strategic
Atlas General Agency
Citizens Property & Casualty
Cypress Property & Casualty
Fidelity National
National Flood Service
Tower Hill
Universal Insurance Company of North America

American Strategic

To meet the unique needs of the Florida marketplace and become a symbol of financial security and long term stability, ASI focuses on building relationships with agency partners representing you, the customer. Today, ASI has a diversified portfolio of business and a strategically managed spread of risk throughout Florida. In addition, ASI has grown to become one of the 10 largest property insurance companies in the state.

ASI is proud to be rated by the leading independent rating organizations. ASI has earned a B++ (Very Good) rating from A.M. Best and an A’ (Unsurpassed) rating from Demotech, Inc. In addition, ASI has a comprehensive and substantial reinsurance program in place backed by A rated reinsurers worldwide. These include carriers such as Swiss Re (A+), General Re (A++) and XL Reinsurance (A+).

ASI products include:
• Homeowners (HO3, HO6 and HO 8)
• Dwelling Fire (DP3)
• Contractor’s Builders Risk (BR3)
• Artisan Contractors
• Commercial Package Policy
• Personal Umbrella Policy
• Flood

Atlas General Agency

Atlas General Agency is committed to the Texas marketplace. Atlas provides a variety of Residential property insurance products at competitive pricing and with superior underwriting, administrative, and claims services.

Atlas General Agency was formed in 1999 to provide a portfolio of preferred Personal Lines insurance products to independent agents. All Atlas products are written with A- (Excellent) Rated carriers.

The owners and key employees of Atlas General Agency have worked together for many years with other insurance companies and have a wealth of diverse experience including underwriting, systems, management, sales and marketing, data processing, claims, insurance and agency administration. The entire staff works very hard to provide "value added" service to our agents and clients.


For more than 125 years, the Chubb Group of Insurance Companies has been delivering exceptional property and casualty insurance products and services to businesses and individuals around the world.

Today, CHUBB is the 11th largest property and casualty insurer in the United States and has a worldwide network of some 120 offices in 28 countries staffed by 10,600 employees. The Chubb Corporation reported $50.6 billion in assets and $14.1 billion in revenues in 2007. According to Fortune magazine, Chubb is the 180th largest U.S.-based corporation. The magazine also includes Chubb in its list of “America’s Most Admired Companies.” Forbes listed Chubb as one of America’s 400 Best Big Companies.

The member insurers of the Chubb Group of Insurance Companies earn the highest rating for financial strength from A.M. Best Company. Three of our members are among the few insurers that have achieved A.M. Best’s highest rating for more than 50 years. Chubb also earns high ratings for financial strength from Standard & Poor’s and Moody’s. The Chubb Corporation’s senior debt is designated A by Standard and Poor’s and A2 by Moody’s.

Citizens Property Insurance

In 2002, the Florida Legislature passed a law that combined the Florida Residential Property and Casualty Joint Underwriting Association (FRPCJUA) and the Florida Windstorm Underwriting Association (FWUA). This resulted in the creation of Citizens Property Insurance Corporation (Citizens), which more efficiently and effectively provides insurance to, and serves the needs of, homeowners in high-risk areas and others who cannot find coverage in the open, private insurance market.

Citizens Property Insurance currently has more than 1,140,000 total policies in force. Their vision is to be:
• Responsive stewards of the public trust
• Setting the standard for superior customer service and operational efficiencies
• Recognized as an important insurance safety net for Floridians
• Respected as a valuable partner in protecting Florida's economic health

Cypress Property & Casualty

Cypress Property & Casualty Insurance Company offers property insurance policies to thousands of residents throughout the State of Florida. Products include homeowners, condominium, dwelling and renters insurance.

Cypress is not only relied upon by thousands of our policyholders and agents, but also recognized by receiving a Financial Stability Rating of 'A' (Exceptional) by Demotech, Inc. an independent rating firm.

Fannie Mae (Federal National Mortgage Association) and Freddie Mac (Federal Home Loan Mortgage Corporation) accept policies from Insurance Companies with a Demotech Financial Stability Rating of A or better. Cypress Property & Casualty Insurance Company provides additional protection through catastrophe reinsurance purchased from several Reinsurance Companies rated 'A' by A.M. Best, another leading financial rating firm.

Fidelity National

Fidelity National Financial, Inc. (NYSE: FNF), a Fortune 500 company, is a leading provider of title insurance, specialty insurance and claims management services.

Fidelity National Financial’s property and casualty division operates in all 50 states. Fidelity is a nationwide provider of a broad range of personal insurance products through three property and casualty insurance companies: Fidelity National Insurance Company, Fidelity National Property and Casualty Insurance Company, and Fidelity National Indemnity Insurance Company.

A.M. Best Rated A- (Excellent)/Financial Size VIII

Products include:
• Homeowners
• Flood
• Condominiums & Townhouses
• Rental Dwellings
• Automobiles
• Personal Umbrella (Liability)

Other products include: mobile home, earthquake, and recreational vehicles

HomeWise ( wind only in FL )

Based in Tampa, Florida, HomeWise provides homeowners coverage and other property insurance products through a leading network of experienced, independent agents. HomeWise is dedicated to financial strength and the commitment that their policyholders will be well cared for in the unfortunate event of a loss. HomeWise has an "A" Exceptional rating from Demotech, an industry leader in financial analysis and financial stability rating.

HomeWise began its operations in Florida following very active storm seasons in 2004 and 2005 in the state which created a volatile homeowners insurance market. As many insurance companies stopped writing homeowners insurance in Florida, demand was high for experienced, financially sound carriers offering homeowners coverage.

HomeWise was established by insurance professionals with extensive homeowners insurance experience. From the beginning, the company vision has been to provide traditional homeowners insurance products and high quality service at fair prices. Since 2006, the company has expanded beyond Florida into other southern states as well.


MetLife Auto & Home is a wholly owned subsidiary of MetLife, Inc., one of the world’s leading insurance and financial services companies. In August 2004, MetLife Auto & Home earned an “A” (Excellent) rating from A.M. Best, the insurance industry’s leading authoritative analyst. MetLife offers a comprehensive selection of personal insurance products designed to protect you and your family from financial peril, including auto, home, boat, and personal excess liability coverage.

For more than 135 years, MetLife has built a reputation as a company that believes in community, integrity and trustworthiness. MetLife Auto & Home, a leader in the property and casualty insurance industry, has been providing security to customers for over 30 years. In fact, MetLife ranked 2nd in Overall Claim Satisfaction according to J.D. Power and Associates 2005 National Homeowners Insurance Study.

National Flood Service

National Flood Services, Inc. (NFS) was founded in 1985 in Chicago, Illinois. NFS specializes in flood insurance policy servicing and processing.

NFS currently services some 25 Property & Casualty Insurance Companies with over 16,000 insurance agencies, brokers, and financial institutions currently producing flood insurance business all across the United States, Puerto Rico, Guam & the Virgin Islands.

Since inception, NFS has specialized in servicing all aspects of flood insurance with a primary focus in two areas:
• To provide insurance companies the ability to offer flood insurance to their agency force.
• Develop and maintain systems and personnel to facilitate processing flood insurance policies, comply with FIA/NFIP statistical reporting requirements, and supply NFS Customer Service Representatives with instantaneous access to agency and underwriting information.

Staffed by experienced insurance professionals with various agency and company backgrounds, NFS brings a unique level of service to the flood insurance industry. NFS is not owned by or affiliated with any one insurance company, but is a wholly owned subsidiary of Fiserv, Inc.


QBE FIRST works with builders, banks and mortgage originators to provide customized insurance programs to fit the specific needs of their customers. As the industry's first provider of hazard insurance outsourcing services, QBE FIRST has grown to become one of the largest in the field of providing outsourced insurance, real estate tax, and customer care solutions for the mortgage industry.

QBE FIRST's highly customized insurance programs:
• Facilitate home closings by providing homebuyers the convenience of a customer-friendly insurance option during their time of purchase.
• Speeds loan origination. QBE FIRST uses a fully automated process to generate competitive quotes-within 48 hours-we help customers avoid closing delays.
• Shortens loan process. QBE FIRST’s streamlined underwriting uses the homebuyer's current information to eliminate redundant questions and close loans faster.

RLI ( umbrella )

RLI is a specialty insurance company that has been in business for more than 40 years. RLI is a diversified portfolio of property and casualty coverages and surety bonds serving ‘‘niche’’ or underserved markets.

RLI operates in all 50 states from 27 office locations. Their insurance subsidiaries are rated A+ ‘‘Superior’’ by A.M. Best Company and A+ ‘‘Strong’’ by Standard & Poor’s.


Safeco Insurance, in business since 1923, is a Fortune 500 company headquartered in Seattle, Washington. Safeco offers competitive priced property and casualty insurance in most states, with products ranging from personal automobile and homeowners to small- and medium-sized business insurance. Financially strong (A rated by A.M. Best), Safeco is among the fastest growing property and casualty companies nationwide.

Tower Hill

For more than 30 years, Tower Hill Insurance Group, LLC has provided Floridians with insurance products and services that build trust and inspire confidence. Founded in 1972, Tower Hill has become one of Florida's largest writers of residential property insurance. Tower Hill offers homeowners, mobile homeowners, dwelling fire, condominium, renters, and flood coverage.

Tower Hill's corporate headquarters, located in Gainesville, Florida, includes the company's Customer Service and Policy Operations Center as well as the home office for Tower Hill Claims Services, LLC. In addition, Tower Hill Claims Management, LLC is located in Lexington, Kentucky, to provide additional capacity and support in the event of a debilitating storm in Florida.


Travelers offers a wide variety of property and casualty insurance and surety products and services to businesses, organizations and individuals in the United States and in selected international markets. Travelers Personal Insurance offers a broad array of property and casualty insurance products for individuals. Products include automobile, homeowners, umbrella, condominium, tenant, flood, identity theft, valuable items, boat and yacht and wedding coverages.

Travelers is No. 93 on the Fortune 500 list of the largest publicly-traded U.S. corporations. With over $21.6 billion in net written premium, $26 billion in total revenue and $115.2 billion in total assets in 2007, they are the second-largest writer of commercial U.S. property casualty insurance, and the second-largest writer of auto and homeowners insurance through independent agents. Travelers receives consistently high financial strength ratings, including an A+ rating from A.M. Best.

Universal Insurance Company of North America (UICNA)

Universal North America offers homeowners a variety of personal lines products including homeowners, dwelling fire, condominium unit owners, tenants policies, and flood policies. Plus Universal offers personal auto coverage and will soon offer personal umbrella liability coverage. In Florida, Universal North America offers commercial property policies. Universal is currently offering products in Arizona, Florida, Hawaii, Nevada, South Carolina and Texas and is actively pursuing licenses in other states.

Universal Insurance Holdings of North America (“UIHNA”) is a Delaware domiciled Property and Casualty Insurance Group organized to market Residential Property insurance in North America. UIHNA is a wholly-owned subsidiary of Universal Group (“UG”) in Puerto Rico.

UIHNA combines the reputation and financial strength of UG and the local market presence and experience of the North America staff to bring you Universal Insurance Company of North America and Universal North America Insurance Company. Our Property and Casualty Group maintains an “A” (“Excellent”) Financial Stability Rating from A.M. Best, with equity in excess of $300 Million.