We built the P&C Commercial Tracker specifically for wholesale brokers, commercial producers, property-titled executives, MGA and program leaders, and carrier-side product, strategy, BizDev, and C-suite.
We’ve launched with Florida commercial property as the prototype. One state, one line, done well. Updated until We picked commercial property first because it is where carrier behavior is moving fastest right now, which made it the right place to prove the format.
If you’re placing commercial property, this tells you who’s competing for your submissions right now and who just changed direction. If you’re on the carrier side, this is where your competitors showed their hand this week.
What It Is
A carrier-level tracker of the Florida commercial property and E&S property market. 169 carriers identified so far across 90 parent groups, covering admitted, E&S, Lloyd’s, MGA/Program, parametric, and Citizens. Every carrier researched against FL OIR filings, AM Best, Demotech, S&P, FHCF participant lists, SEC filings, and trade press. Every entry cites 2-5 independent sources. The directory grows as new entrants are identified and gaps are corrected.
There are Two Layers:
The Carrier Directory is the baseline: who writes commercial property in your state, what they target, whether they are expanding, stable, entering, or tightening. Filter by state, market type, account size, or appetite.
The Weekly Moves tracker captures what changed this week: rate filings, appetite shifts, regulatory actions, market entries, and earnings signals. Every move is sourced and timestamped.
What’s most important for us right now is to get your input on how we can make this useful to you. Reply to this email or ping me at [email protected].
What the Data Says
Florida commercial property right now:
6 carriers actively taking submissions out of Citizens under consent orders, giving brokers a list of first calls for accounts stuck there.
E&S windstorm rates down 47%, the soft cycle arriving in FL wind.
SB 1028 (Citizens commercial clearinghouse) awaiting DeSantis’ signature, which would open the book to E&S competition in January 2027.
Two post-reform reciprocal exchanges entering the commercial market.
Three carriers tightening coastal guidelines against the broader softening, exactly the kind of divergence that matters for placement and positioning.
Our Product Roadmap
Florida commercial property is live now. Texas, California, NY/NJ, and Illinois coming next across commercial property. Beyond property, we’ll expand to additional commercial lines.
This will be a ‘Premium’ tier subscriber product, but we are temporarily sharing full access so you can check it out.
Have feedback or requests? We’d love to hear from you. Please reply to this email, or email me at [email protected] and share your thoughts.
Why We Did It
If you place commercial property at a wholesale brokerage, or you sit in product, strategy, or the C-suite at a commercial carrier, you already know the shape of the problem: carriers entering and exiting state markets, rate filings changing appetite overnight, AM Best moving on ratings, reciprocal exchanges spinning up in Florida. Teams stitch it together themselves, across three categories of outside tools: raw filings databases (SERFF, state DOI portals), financial and rating platforms (S&P, AM Best, Demotech), and episodic broker research (Amwins State of the Market, quarterly outlook pieces). Each one answers part of the question. None of them combines the three in a workflow-usable way at the carrier level for commercial property appetite tracking. That’s the gap we’re building against.
If you’re curious, here is our Methodology and Data Dictionary.
P&C Insurance Executive Intelligence is for strategy, product, and executive leaders in carriers, reinsurers, and insurance platforms navigating commercial lines disruption.
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