Florida assisted and independent living, written through Skyway.
Property coverage for Florida assisted and independent living facilities, written through Skyway Underwriters. Skyway runs the intake on the ResiQuant platform, on the same wind-underwriting model as the apartment book.
ResiQuant inside the Skyway portal.
Skyway is positioned as an AI-native MGA. The ResiQuant partnership, announced in January 2026, brings engineering-grade wind risk intelligence into the underwriting flow for apartment and assisted living.
- Property only, by design
American Coastal retains property exposure only. No liability or casualty risk is written through this program. Operators carry their professional and general liability separately.
- ResiQuant-enabled intake
Skyway runs the ResiQuant platform across its Florida apartment and assisted living programs. Automated workflows plus engineering-grade risk intelligence score every coastal-wind risk before quote.
- Risk profile aligned with the apartment book
We target assisted and independent living facilities with risk characteristics similar to the existing Florida apartment portfolio. Building age, construction class, mitigation, and loss history feed the same scoring model.
- Hurricane the primary peril
Catastrophe reinsurance covers Florida assisted living risks under the same tower as the rest of the residential book: carrier retention, FHCF participation, a rated and collateralized reinsurance panel, and catastrophe bonds, rebuilt every June 1.
Property, contents, business income, and the wind language Florida demands.
Property coverage parallel to the apartment program. Coverage limits and deductible structures are set per risk by Skyway; speak with your appointed broker to confirm what fits your facility.
- Building
- Contents
- Inflation guard
- Ordinance or Law
- Sinkhole
- Wind-driven precipitation
- Business income and extra expense
- Special Cause of Loss form
Property only. Operators carry liability separately.
American Coastal underwrites and retains property exposure only through this program. We do not write professional liability, general liability, abuse and molestation, workers’ compensation, or auto coverage for assisted living operators.
Operators are expected to maintain those lines through their existing brokers. The Skyway portal accepts the property submission; producers and operators handle the rest of the program separately.
Frequently asked.
- Does American Coastal Insurance sell directly to assisted living operators?
- No. American Coastal does not sell direct. Assisted living facility property is placed through Skyway Underwriters, an exclusive managing general agent. Appointment is limited to select wholesale brokers.
- How do I submit a Florida assisted living facility risk?
- Assisted living submissions go through Skyway Underwriters at skywayunderwriters.com. Coverage is placed through appointed wholesale brokers only. Have the facility's building schedule, construction class, loss history, and current inspection data ready.
- What financial strength ratings does American Coastal hold?
- American Coastal Insurance Company is rated A, Exceptional by Demotech (Financial Stability Rating) and A−, Positive outlook by Kroll Bond Rating Agency (KBRA). Both ratings are recognized by Fannie Mae, Freddie Mac, HUD, and the Florida OIR.
Skyway is the bind path for our Florida assisted living program.
Submissions, quotes, and claims for the assisted and independent living program run through Skyway Underwriters, the same MGA that runs the Florida apartment book. Appointment to select wholesale brokers only.