Orchid Underwriters Insurance Company Review

Everything you need to know about Orchid Underwriters Insurance Company.

Orchid Underwriters Insurance Company at a Glance

  • Orchid Underwriters is a specialty underwriter of excess and surplus (E&S) insurance focusing on coastal properties.
  • Founded in 1998 and based in Vero Beach, FL, Orchid specializes in providing specialty insurance products for homeowners and small businesses throughout the United States and the Caribbean.
  • Provides customers with a single, comprehensive solution for homeowners and condominium property insurance, including wind and wind only, general and excess flood, earthquake, builders risk, and others
  • Orchid represents well-known A.M. Best A-rated insurance carriers. Orchid itself is not rated by A.M. Best or the Better Business Bureau (BBB).
  • Orchid partners with agents in all 50 states, the Caribbean, and the Bahamas.

Orchid Pros: Flexible products, expertise in coastal properties, and competitive pricing. Works with carriers rated A- (Excellent) or better by A.M. Best. Markets products through independent insurance agents.

Orchid Cons: Not rated by the Better Business Bureau or by A.M. Best. Customer satisfaction reviews are mixed. Minimal customer service offerings.

What Types of Insurance Does Orchid Underwriters Offer?

Orchid Underwriters is a specialty underwriter of excess and surplus (E&S) insurance focusing on coastal properties. The company specializes in providing specialty insurance products for homeowners and small businesses throughout the United States and the Caribbean.

Orchid offers the following personal, commercial, and specialty high net worth products:

Personal Lines Products

  • Builders risk insurance
  • Excess flood insurance
  • Homeowners insurance
  • Inland marine insurance
  • Private primary flood insurance
  • Wind insurance

Specialty High Net Worth Products

  • High value homeowners insurance
  • Personal auto insurance
  • Personal excess liability insurance
  • Valuable articles insurance
  • Watercraft insurance

This list of insurance solutions offered by Orchid is not exhaustive. The company also offers E&S products for coastal businesses, including churches, fitness centers, homeowners associations, hotels and motels, mobile home and RV communities, warehouses, and more.

What’s more, you can use our national insurance company directory to find the best insurance companies to meet your needs. The directory can help you find companies that specialize in your specific coverage needs and get connected to an agent near you.

What to Know about Orchid 

Orchid was established in 1998 after a group of business partners saw an opportunity in the Excess & Surplus (E&S) catastrophic homeowners market to bring together sophisticated underwriting, superior workflows, and dedicated underwriters. Today the company provides competitive products with great coverage combinations and flexible options, including multi-peril, wind only, ex-wind, flood, excess flood, inland marine/personal article floaters, and more.

Orchid partners with select retail agents and brokers, and A.M. Best A- or better rated carriers.

What Discounts Does Orchid Offer?

Orchid does not make available information about its specific discounts or reward programs.

Orchid Customer Service

Here’s what to know about Orchid’s customer service options:

  • Phone and email options for customer service
  • The company has the following customer service hour restrictions:


Hours (EST)


Monday-Friday 8:00 am - 5:00 pm

The best way to get customer service about a policy with Orchid is to contact your insurance agent or broker. 

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Orchid FAQ

What is Orchid’s average claims response time frame?

Because Orchid represents numerous carriers and types of products, all claims must be reported directly to the carrier. The company states that an adjuster will reach out within 24 hours after the claim is filed.

What is Orchid’s customer service availability?

Orchid offers customer service by phone, Monday through Friday, 8:00 am to 5:00 pm EST. Customers and agents can also make email inquiries. Orchid is present on LinkedIn, Facebook, and Twitter. Claims can be reported to the appropriate carrier by email or phone.

What is Orchid’s claims process?

All claims are reported directly to the carrier. Reporting may be done by either the agent or the insured. Orchid’s claims page allows customers to look up the contact information for their particular carrier. 

After you file the claim, the adjuster will reach out within 24 hours. It is the insured’s responsibility to take the steps that are required to negate any further damage and secure the property until an adjuster can be on site.

Does Orchid create a user-friendly experience for customers?

Orchid’s website is clear and easy-to-navigate, with a lot of information. Most of the information is directed at agents who work directly with their clients. Claims must be made through individual carriers, and Orchid offers some assistance in directing clients to the right place to file claims.

Customer service is available during regular business hours, with no extended hours.

Does Orchid have good homeowners insurance?

Orchid offers a wide range of homeowners products, including HO3, HO5, HO6, and even HO4 policies.

Some features of Orchid’s homeowners policies include:

  • Can write in 50 states and the Caribbean
  • As high as $20 million total insured value with carrier approval
  • Flexible deductible options as low as 1% in some states
  • Multi-family dwelling coverage with a maximum of 4 families
  • Option to exclude wind on any policy type
  • Earthquake coverage at 5% and up in select states

Contact an Orchid representative for more information about homeowners insurance available from the company.

Is Orchid a good insurance company?

Orchid plays an important role in helping customers with unique or hard-to-place coastal properties get the coverage they need. Orchid offers expertise in certain products and specialty lines of insurance that allows retail brokers to bring the highest level of coverage and service to even their unique clients.

Orchid Customer Reviews

We did not locate any customer satisfaction reviews for Orchid. 

TrustedChoice.com's Final Review

We award Orchid Underwriters  3.0 out of 5.0 stars.

Founded in 1998, the company is a specialty underwriter of excess and surplus (E&S) insurance focusing on coastal properties, specializing in providing specialty insurance products for homeowners and small businesses throughout the United States and the Caribbean. The company clearly offers expert underwriting for these unique risks, and it partners with A-rated carriers.

Orchid provides service mostly through agents and the carriers it represents, so its own customer service capabilities are limited. 

If you have a specialty risk or a coastal home or business, we recommend finding out more about Orchid by working with a local representative.

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