We are here to help you if you experienced any damage as a result of Hurricane Dorian or Hurricane Humberto     

Claim contact information for Capacity Insurance: click here.

News & Updates

Reinstatement of Binding Authority

July 15, 2019 – Binding authority is reinstated pursuant to Tropical Storm Barry.

Please note that all binding requests for policies including wind coverage made in affected areas will be subject to verification of no storm damage. For any questions or concerns, please contact your underwriter.

How to file a claim

Capacity Insurance claims are handled by Focus Claims Managers. Claims can be reported 24/7 through any of the following options:


Binding Authority Suspended

July 11, 2019 – As a result of the forecast for Tropical Cyclone 2 binding has been suspended for all properties highlighted blue in the image below.  Click this link to download a complete list of county closures.  Click this link to download a complete list of county closures.

No application for new coverage or endorsement for increased coverage may be bound, written or issued, or monies received, regardless of effective date, when binding authority has been suspended.  Website will be updated when this suspension is lifted. 


Binding Authority Suspended

September 4, 2018 – Capacity Insurance has suspended binding in FL from and inclusive of Jefferson County west to the FL/AL border as a result of Tropical Storm Gordon.

No application for new coverage or endorsement for increased coverage may be bound, written or issued, or monies received, regardless of effective date, when binding authority has been suspended.  Website will be updated when this suspension is lifted. 


Binding Authority Suspended

May 26, 2018 – Binding has been suspended statewide in Florida as a result of Tropical Storm Alberto.

No application for new coverage or endorsement for increased coverage may be bound, written or issued, or monies received, regardless of effective date, when binding authority has been suspended.  Website will be updated when this suspension is lifted. 


Capacity Insurance is Writing Business in the state of Texas.

Our first policy written in Texas was bound on August 7th, 2017.


Reinstatement of Binding Authority

October 9, 2017 – Binding authority is reinstated pursuant to Hurricane Nate.

Please note that all binding requests for policies including wind coverage made in affected areas will be subject to verification of no storm damage. For any questions or concerns, please contact your underwriter.

How to file a claim

Capacity Insurance claims are handled by Focus Claims Managers. Claims can be reported 24/7 through any of the following options:


Beginning August 15, 2017, all policies will be Direct Renewal.

How it works: 

We send the renewal offer to the insured and copy the agent on all communications. No nee to collect payments – we’ve got that covered. Use the link below for FAQ’s.

More on Direct Renewal


A.M. Best Revises Outlooks to Positive for Capacity Insurance Company

Capacity Insurance Company has had its A.M. Best Financial Strength Rating of B+ (Very Good) reaffirmed by A.M. Best Company, who also revised the company’s outlook to “Positive” from “Stable.” A.M. Best has published on their website that “The revised outlooks to positive reflect Capacity’s improved risk-adjusted capitalization and operating performance in recent years, as Capacity ramped up its business writings, and its thus far successful execution of the operational and financial plans by the management team, with focus on writing commercial property business in Florida.” They also add that “Capacity’s pure loss ratios compare favorably with its peers.”

“We are very proud of the performance of Capacity Insurance Company. In the eight years since acquiring the company, we have orchestrated a complete and successful transformation. Capacity is now known as an insurer of Florida’s small businesses and a company that business owners can place their trust in, with comprehensive specialty products, fast and fair claims service, and financial stability,” said Kevin Tromer, President and CEO of Capacity. “We are pleased with A.M. Best’s recognition of our performance with revised positive outlooks.”

Capacity, having recently been approved by the Texas Department of Insurance, looks forward to bringing its suite of admitted product offerings to small business owners throughout Texas later this year.

Capacity is a subsidiary of Team Focus Insurance Group, and its offerings are written exclusively through MacNeill Group, Inc. MacNeill Group is a specialty MGA who traces its roots back to 1946 and has a 70-year reputation for playing an important role in ensuring the success of its independent agent partners by providing a wide array of products backed with service that is beyond compare.


Reinstatement of Binding Authority

Sunrise, FL – October 10, 2016 – Binding authority is reinstated immediately for all counties in Florida pursuant to Hurricane Matthew.

Please note that all binding requests for policies including wind coverage made in affected areas will be subject to verification of no storm damage. For any questions or concerns, please contact your underwriter.

For information on filing a claim, please click here.


CAPACITY INSURANCE COMPANY AM BEST RATING AFFIRMED

Sunrise, FL – June 1, 2016 – Capacity Insurance Company (Capacity Insurance), a Domestic Insurer and wholly-owned subsidiary of Team Focus Insurance Group (Team Focus), recently received an affirmation of its A.M. Best Financial Strength Rating of B+ (Good) from the A.M. Best Company. A.M. Best, whose ratings are widely respected throughout the industry as indications of financial and corporate stability, also affirmed Capacity Insurance’s stable outlook, reflecting Capacity’s adequate capitalization and operating ratios.

Capacity Insurance is celebrating its 27th anniversary protecting Florida’s small businesses with a portfolio of niche product offerings, including comprehensive programs for strip malls and office complexes, trade contractors, hotels, houses of worship, restaurants, motor truck cargo, mercantile operations and wind coverage within the state of Florida. Capacity Insurance’s products are written and offered exclusively through MacNeill Group, Inc. (MacNeill Group). MacNeill Group, also a wholly-owned subsidiary of Team Focus, is one of Florida’s largest managing general agencies (MGAs) with a network of more than 5,000 independent agents, and proudly traces its Florida roots back to 1946.

“We are extremely pleased with this rating affirmation by A.M. Best, and with the overall performance of Capacity Insurance,” said Kevin Tromer, president of Team Focus. “As Floridians and members of the South Florida community, it is very gratifying that Capacity is known as an insurer of Florida’s small businesses and a company that entrepreneurs can trust. Our comprehensive specialty products, outstanding service, and financial stability are tools that Florida’s small businesses use every day to enable growth and prosperity, and we are proud to be a part of it.”

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About Team Focus Insurance Group (Team Focus)

Team Focus Insurance Group (Team Focus) is the parent company to a lineup of eight organizations and almost 400 professionals dedicated to serving the property and casualty (P&C) insurance industry. Most prominently, Team Focus subsidiaries include MacNeill Group (MGA, wholesale broker, and company/program management), Focus Technologies (core administration software solutions and BPO services) and Capacity Insurance Company (risk). Putting almost 70 years of insurance experience to work, Team Focus takes a unique, value-oriented approach to “Ensuring Your Success” by maintaining a focus first on the growth of customers, partners and team members.

About Capacity Insurance Company, a Team Focus Company (Capacity Insurance)

Capacity Insurance Company (Capacity Insurance), a wholly-owned subsidiary of Team Focus Insurance Group, is a commercial lines insurer established in 1989 and specializing in products for “Main Street Florida,” including package coverage for light mercantile and offices, lessor’s risk, restaurants, convenience stores, retail stores, houses of worship, trade contractors, motor truck cargo and other small to mid-size businesses. Led by a team of experienced insurance executives, Capacity Insurance has prospered in the Florida marketplace developing a reputation of stability, consistency and fair claims handling practices.

Corporate Address
1300 Sawgrass Corporate Parkway • Suite 300 • Sunrise, FL 33323 • (866) 351-3061

Mailing Address
PO Box 451419 • Sunrise, FL 33345-1419

© 2019 Capacity Insurance Company