Your property is an investment. Insure it like one.
Protect your property's value with coverage built for the coast. We help condo owners across Florida regions safeguard their biggest investment against storms, structural risks, and the unexpected.
Coverage Made for the Way Florida Lives -
High-Rise, Waterfront, and Worth Protecting
Specialty Insurance for Niche and Complex Risks
Stone Pine Insurance Services LLC “Stone Pine Insurance Services” is a specialty insurance program administrator established in November of 2025. Stone Pine designs, markets, underwrites and services specialty insurance policies on behalf of insurance carrier partners through its network of independent agents and brokers.
Built for Brokers. Backed by Expertise.
Our program offers windstorm coverage for condominium unit owners in coastal Florida, focused on buildings that meet modern storm-resistance standards. We insure units in structures built to the 2002 Florida Building Code's wind-resistive standards—or those with qualifying opening protections—because these mitigation features work. Studies show they reduce hurricane and tropical storm losses by 60–72%, which translates into a stronger, more predictable portfolio for our carrier partners. Coverage applies to contents and unit-owner improvements, with optional coverages available, on risks ranging from $100,000 and up. To keep exposure disciplined, we actively manage aggregates at the county, ZIP code, and building level, capping any single building at $10M TIV.
Why Stone Pine
Built to Move Faster and Think Differently
At Stone Pine, you’re not navigating layers of bureaucracy; you’re working directly with experienced professionals who understand the urgency of placing business and the nuance of complex risks.
- No unnecessary delays
- Clear communication, always
- Flexible thinking vs rigid guidelines
- Real accountability