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Florida Excess Ex-Cat Property Insurance

Balance Partners has launched an Excess Property Program offered exclusively in the State of Florida. “FLexx” (Florida Ex-CAT Excess) offers excess property coverage above primary All Risks and/or Ex-Cat business, allowing our clients to build up to full limits on property risks. Target Classes, Terms and Conditions are listed below:

PRODUCT OFFERING

  • Offered in Florida (Ex. CAT only)

  • A++ Superior Insurance Capacity  

  • Non-Admitted Paper

  • Policy Limits up to $15MM (Higher Limits Available Upon Request)

  • TIV's up to $100MM (Higher TIV'Available Upon Request)

  • $15,000 Minimum Premiums

  • $5MM Minimum Attachment Point

  • All construction types​

TARGET CLASSES

  • Apartments (incl. Garden Style) with or without Mercantile

  • Condominiums & Town Homes

  • Co-ops

  • Building Owners - Lessor's Risk exposures only

  • Office Buildings

  • Retail Properties

  • Membership Organizations

  • Educational Services

  • Health Services

OUR TEAM

Anthony Simone

Lead Underwriter

Anthony has over 28 years of experience in the insurance industry, specializing in E&S commercial property and Wind Deductible Buy Back business. Prior to joining Balance, Anthony served as EVP and Senior Property Underwriter at WKFC Underwriting Managers from 1995 – 2018. Prior to that, Anthony held specialty property underwriting positions at both Reliance National Insurance Company and The Home Insurance Company. At Balance Partners, Anthony’s deep rooted distribution relationships and undeniable expertise in both the E&S property and WDBB marketplace are critical to the buildout of our property products and we are elated to have him lead this division and be an integral part of our growing team.

Geoff Ducksworth

Underwriter

Geoff has 12 years of insurance industry experience, concentrating on E&S commercial property, Wind Deductible Buy Back business, E&S commercial casualty and personal lines. He maintains strategic relationships in the northeast, southeast and west coast E&S markets. Prior to Balance Partners, Geoff has held positions with RSGUM, Zurich NA, USAA and Farmers Insurance. Having joined Balance Partners Mid 2020, his caliber of experience and hard charging nature comes at the optimal time and makes him an ideal underwriter for this team.

Justin Yacono has over 9 years of experience writing multiple lines of coverage. His Reputation and proven track record in this space is exemplary. Justin began his career working as an Underwriters Assistant at Global Excess Partners. He then joined WKFC Underwriting Managers leading the flood facility for the next 6 years. Justin joined Balance Partners in 2021 with the goal of building out one of the nation’s largest and most meaningful X/S Flood programs in addition to contributing to our Property and Wind Deductible Buy Back divisions.

Justin Yacono

Underwriter

Bianca Morales

Underwriter

After graduating from Adelphi University in 2012, Bianca started her insurance career in the E&S wholesale property space, and has now amassed 10+ years in the industry. After starting her career in 2012 in a commercial lines marketing role at Insight Companies, she established her underwriting career by focusing on high hazard industrial property at Hanover Specialty Industrial Property from 2014-2018, before making the transition to the MGA side underwriting Habitational and Commercial Property at WKFC Underwriting Managers until 2020. Most recently, she explored the E&S Wholesale side for two years with CRC Group. At CRC Group, Bianca focused solely on strategically placing E&S property business. Her time at CRC Group allowed her to gain a solid understanding of the current property market and conditions we know today.

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