Send us the dec page.
We'll place the hard-to-place risks
Black Shore Insurance Group is a Florida surplus lines wholesale operation built for retail agents. You bring the risk and keep the relationship — we prepare the applications, market the account, handle binding and compliance, and collect the premium.
Wholesale market access without the wholesale workload
Most wholesale relationships still leave the heavy lifting on your desk. Ours doesn't. Once your submission lands in our inbox, every step after that is our job — and we move fast.
ACORD prep is on us
Every application — commercial and personal lines — is built in-house by Black Shore, accurately and fast. Send us the dec page and risk details; we turn them into complete, underwriter-ready submission packages, typically the same day. Agents who prefer to send their own completed applications are always welcome to — it's just never required.
You never chase premium
Black Shore collects premium directly from the insured by secure electronic payment, pays our markets directly, and coordinates premium financing when it's needed. Your office stays out of the money-chasing business entirely.
Compliance handled correctly
Surplus lines tax, stamping, state disclosures, terrorism election, and every required binding document are handled by us on every placement — documented, signed electronically, and filed the right way, every time.
Agent of record on every placement
Applications, compliance, and premium collection are Black Shore's responsibility — not your desk's.
From submission to bound policy in five moves
1 — Submit
Email us the dec page or risk details. If anything is missing, you get one clear, consolidated request — not a drip of follow-up questions.
2 — We package & market
We build the full application package and present your risk individually to our wholesale market partners with complete underwriting documentation — which means faster quotes and fewer back-and-forth questions.
3 — You get a clean proposal
Quotes come back to us; you receive a professional, agent-ready proposal with the full pricing picture — including surplus lines tax and stamping — ready to present to your client.
4 — We bind & collect
One simple authorization starts the binding process. Your insured signs everything electronically, we collect the premium directly, and the binder follows promptly.
5 — We service the policy. Certificates of insurance — typically same day. Endorsements, renewals, and mid-term changes — handled. See the full step-by-step →
Built for the risks Florida's standard market won't touch
Contractors and roofers. Restaurants, bars, and liquor liability. Habitational and condo associations. Builders risk, vacant property, garage & dealers, daycare, farm liability, and more — plus hard-to-place coastal homeowners and dwellings on the personal lines side.
Ready to place business with Black Shore?
Producer onboarding is quick, and your first submission can be in the market the same week. Reach out and let's get you appointed.
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