Manatee Insurance Exchange (Manatee) is an admitted property and casualty insurance reciprocal exchange based in Tampa, Florida. We specialize in coastal property insurance business. Manatee utilizes independent insurance agents to distribute our products. We are committed to providing superior customer service and specialize in hurricane-exposed properties. We provide quality, fair, and timely claims handling to our policyholder with as little inconvenience as possible. Our team has extensive experience helping recover after catastrophic events.

Our Management Team is comprised of experienced professionals with over 100 years in the insurance industry – more than half spent in the state of Florida.

We take on the risk and provide the coverages needed to protect the things that are most important to our policyholders. Manatee has been assigned a Financial Stability Rating^® (FSR) of “A, Exceptional” by Demotech, Inc. and a BBB from KBRA (Kroll Bond Rating Agency), both nationally recognized financial analysis and actuarial consulting firm. FSRs are accepted by several government sponsored enterprises, including Fannie Mae, Freddie Mac and various programs of the United States Department of Housing and Urban Development (HUD).