EPIC: Elements Property Insurance Company


Elements Property Insurance Company (EPIC) is a Tallahassee-based property insurer run by industry experts with backgrounds in the Florida market, reinsurance, investments, claims handling, and risk analysis. EPIC has introduced to the market a unique by-peril rating platform that enables more accurate pinpoint pricing while addressing loss trends and market changes. This approach creates a stable, dependable product for you and your clients for years to come.

Programs Available
EPIC offers an HO3 product that is feature-rich and fully customizable to ensure you can provide your customers with  exemplary coverages at great rates.

Underwriting Guidelines (pdf)

FAIA members earn 10 percent commission on new and renewal business, paid on the entire premium (less fees and taxes).

Market Availability
Most Florida counties are currently open except for the following: Broward, Miami-Dade, Monroe, Palm Beach, Hillsborough, Pinellas, Pasco, and Hernando. EPIC will continually review exposure in these counties for potential re-opening in the future.

Application and Submission Process
Please allow 15 business days for processing.

  • A signed Agency Sub-Producer Agreement is required to process an application for appointment. (This agreement pertains to sub-appointments for all FMS property market providers; if you’ve already completed an agreement, proceed to the next step.)
  • Agent completes application and submits to FMS via e-mail, fax, or mail.
  • FMS checks application for completeness and forwards to EPIC for processing.
  • EPIC enters the sub-agent information into its system and sends agent a username and password.
  • Agent quotes, binds, and issues policies via EPIC’s website.
  • FMS sends monthly commission statement and commission check to producing agency.