Home    |   The FIU Difference

Consistency of Market and Company Representation

For over 30 years, FIU has provided an admitted company option to condominiums in Florida regardless of size or proximity to the coast.

Financial Strength

Since 2001, FIU has proudly partnered with the QBE Group to provide property coverage on highly rated QBE Insurance Corporation paper (A.M. Best A, XIV). Being a Florida admitted company affords the customer the added security of the protections afforded by the Florida Hurricane Catastrophe Fund (FHCF), the Florida Insurance Guaranty Association (FIGA) and the oversight of the Florida Office of Insurance Regulation (OIR).

One Policy

FIU can provide coverage for condominium risks on one policy, regardless of size, eliminating the need to secure layered coverage involving multiple carriers or policies. We currently provide coverage on structures valued well in excess of $200M on a single policy.


FIU provides comprehensive quotes on accounts that qualify for its programs. Once all pertinent information is submitted, a quote can be provided in short order.

Agency Representation

FIU is not an open broker market. We only accept business from a limited number of agents who are contracted with FIU. Our agents specialize in the class and types of risks that fit our programs. If you specialize in condominiums and would like to discuss representation further, please contact us.


FIU’s claims handing has been a hallmark of its operation for its entire 30+ year history. Our goal is to provide excellent claims service to the insured. The fact that a majority of our insureds have remained with FIU for years is a testament to the claims service we provide.  Read more

Loss Control

A loss control survey is conducted on each account and all recommendations are forwarded to the agent and insured for their response and action plan.