Available in AL, CT, FL, GA, LA, MA, MD, MS, NC, NJ, NY, SC, PA, TN, TX, VA

Orchid is the industry leader for the higher value home segment that is prone to catastrophic events. For two decades, Orchid has been The First Choice for catastrophe exposed property insurance. Orchid's proprietary and flexible products, fast processes, expert underwriting and competitive pricing provide customized solutions to partner agents from coast to coast.

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Why Orchid?


  • All of Orchid’s solutions are with A- or better A.M. Best rated companies
  • Qualifying Minimum Coverage A amounts vary by state
  • Multiple policy forms - HO3, HO5, HO6, DP3, & Builder’s Risk
  • Multi-peril, Excluding Wind, Wind-only, Excess Flood, Inland Marine
  • and more!

Homeowners is Orchid’s largest business. For years, Orchid has invested all of their resources on building this product into one of the largest E&S homeowners’ solutions in the US. It's a great solution for your higher value properties that cannot find a home with admitted carriers.