Orchid Insurance is a specialty underwriter of catastrophe-exposed property insurance, founded in 1998 and based in Vero Beach, Florida. They offer a range of insurance products, including homeowners, commercial, wind, flood, and earthquake insurance, primarily for coastal risks. Their target audience includes homeowners and businesses in the U.S., Bahamas, and Caribbean. Orchid's unique selling proposition is its expertise in Excess & Surplus lines, proprietary insurance products, and high-quality system technologies, making it a preferred choice for agents and brokers. They represent A.M. Best-rated carriers and are part of Brown & Brown's National Programs segment[1][2][3].