About Annex
A long-term focus on catastrophe-exposed property.
Annex is a digital wholesaler and managing general agent (MGA) connecting retail agencies with specialty homeowners and private flood insurance. We bring together insurance expertise, carrier relationships, and technology-native operations to serve catastrophe-exposed residential markets.
Our mission
To make specialty property insurance more accessible and easier to deliver.
We build around the agents serving homeowners in catastrophe-exposed communities and the insurance partners providing capacity for those risks. Our aim is to make specialty coverage easier to place and administer, with the underwriting discipline needed to serve these markets over time.
What we’re built on
Specialized insurance capacity
Annex works with carriers and underwriting partners to bring specialty property coverage to market. We operate as a managing general agent and surplus lines broker; policies placed through our platform are backed by our carrier partners.
Algorithmic pricing. Disciplined risk management.
We combine property-level data, algorithmic pricing, and insurance expertise to evaluate catastrophe-exposed homes and inform underwriting decisions. Working with our capacity partners, we focus on disciplined risk selection, pricing, and portfolio growth.
Technology-native.
Technology underpins how Annex operates—from underwriting and policy administration to billing, compliance, and service. We build integrated systems and workflows to support growth across products, markets, and policy volume without a proportional increase in manual work.
Established agency relationships
We distribute through retail agents, agencies, and agency networks. These relationships connect our insurance products with the professionals advising homeowners and placing their coverage.
Experienced leadership.
Our founders bring deep insurance industry experience, complemented by a team spanning insurance and technology. Together, we develop the products, systems, and operating capabilities that support our partners.
Growing platform
We continue to expand our products, geographic reach, and agency relationships, supported by multiple sources of insurance capacity.
Company Facts
years combined insurance industry experience among our founders
agent users with access to our platform
Serving the specialty property market.
of insured value
Our coverage areas
We offer policies through a network of appointed licensed independent insurance brokers. The map shows states where one or more Annex products are available. Product availability and eligibility vary by state; consult the applicable product guides for details.
Available states
- Alabama
- Arizona
- California
- Florida
- Georgia
- Maryland
- Massachusetts
- Mississippi
- New Jersey
- North Carolina
- Pennsylvania
- South Carolina
- Texas
- Virginia
