Business Details
11 Years
experience
Trusted Insurance Solutions for Every Need
At MSI, we thrive on solving challenges and building insurance better. As a leading MGA, we combine deep underwriting expertise with insurer and reinsurer risk capacity to create specialized insurance solutions that empower distribution partners to meet customers' unique needs. Our passion for crafting solutions for important risks facing individuals and businesses drives us to deliver exceptional service throughout the policy lifecycle. We offer an expanding suite of productsfrom fully digital renters coverage to high-value homeowners insurance and sophisticated commercial programsdelivered through agents, brokers, and brand partners.Our responsive service is supported by dedicated teams and advanced technology platforms that simplify the insurance experience for every phase of the policy lifecycle. Founded in 2015, we have grown to become the third-largest independent MGA, serving 1.5 million customers with over $1 billion in written premium. Our entrepreneurial spirit, distribution network, and technology platforms continue to solve critical risk needs for individuals and businesses nationwide.
Services
Coastal Homeowners Insurance
Flood Insurance
Renters Insurance
High Net Worth Insurance
Cyber Insurance
Commercial General Liability
Captive Solutions
Tenant Legal Liability
Details
- Year established: 2015
Highlights and features
- We offer 20+ specialized insurance products for personal and commercial risks.
- Our technology platforms enable rapid quoting and binding for efficient service.
- We provide coverage in catastrophe-exposed states with high-risk expertise.
- Our hybrid claims model combines in-house expertise with trusted specialists.
- We partner with agents and brokers to deliver scalable, tech-enabled solutions.
What people say
Responsive claims team
Rapid quoting tools
Coverage for high-risk areas
Competitive commissions
Technology integration
Services
Coastal Homeowners Insurance
MSI provides admitted HO3 coverage for single-family homes in catastrophe-exposed Atlantic and Gulf Coast states, including Florida, Texas, and Massachusetts. We offer up to $1.5 million in dwelling coverage with flexible deductible options for primary, secondary, or rental properties. Our technology enables rapid quotes through an online portal with third-party data integration, while our claims team resolves losses promptly using specialized expertise in high-risk areas.
Flood Insurance
MSI's flood insurance offers up to $2 million in building coverage and $500,000 for contentsexceeding National Flood Insurance Program limits. Backed by highly rated insurers, our policy includes a $10,000 coverall endorsement and activates within 5-7 days. Industry-leading technology allows agents to quote and bind coverage in minutes, with claims handled by dedicated specialists for swift resolution.
Renters Insurance
MSI delivers guaranteed-approval renters insurance with liability coverage from $100,000 to $300,000 and contents up to $100,000. Available nationwide and in Canadian provinces, our program includes unique protections for bedbugs, biohazards, and pet damage. Embedded technology integrates with proptech and fintech platforms for seamless policy management and 24/7 customer support.
High Net Worth Insurance
MSI offers tailored coverage for high-value homes valued between $3 million and $10 million. Available nationwideincluding catastrophe-prone areasour policies include up to $1 million in liability protection and require central station fire/burglar alarms. Underwriters with decades of experience customize coverage, while proactive risk management services mitigate property-specific exposures.
Captive Solutions
MSI creates and manages captive insurance companies for businesses seeking greater control over risk management programs. Specialized programs target multifamily housing, self-storage facilities, and senior care providers. Our solutions allow businesses to self-insure risks through structured captive frameworks while maintaining compliance with regulatory standards.
People
Jim Roche
Co-Founder
Jim Roche co-founded MSI in 2015 after a career in traditional insurance. He led the development of MSI's technology platform from scratch, enabling real-time payment processing and document delivery. His vision drives MSI's focus on solving critical risk needs through innovation.
Brian Schultz
Co-Founder
Brian Schultz co-founded MSI with Jim Roche, leveraging decades of insurance experience to build scalable solutions. He played a key role in establishing MSI's initial partnerships and product development, contributing to its growth into a top-three independent MGA.
Questions
How do I file a claim with MSI?
File a claim online via the Customer Portal, by phone at 844-788-0873, or through your independent agent. Adjusters typically contact claimants within 2-3 business days.
What payment options does MSI accept?
MSI accepts credit/debit cards and checking accounts for online payments. Payment plans include annual, semi-annual, quarterly, or monthly installments.
Can I cancel my MSI insurance policy?
Yes. Contact your agent or MSI customer service at 844-788-0873 to process cancellation. Premiums are prorated, with refunds credited to the last payment method used.
Does MSI offer flood insurance?
Yes. MSI provides private-market flood insurance with higher limits than the NFIP—up to $2 million for buildings and $500,000 for contents, with coverage activation in 5-7 days.
How do I make policy changes?
Contact your independent agent directly to discuss coverage modifications. Agents can leverage MSI's online portal for rapid adjustments to policies.
