Ray Carrier Guidelines — Rollout Priority Matrix

Unique carriers

Across all three books

Already in KB

Cover 1,523 of 2,684 policies (57%)

New sourcing needed

PDFs to download & index

Gap to close (in-scope)

Travelers — re-source

personChris Huebner

Pilot agent · Florida

Book of 1,788 active policies across 15 carriers. Top: American Integrity (332), Trident Reciprocal (275), Progressive (231).

personRyan Collins

Pilot agent · Florida

Book of 378 active policies across 8 carriers. Top: Cypress (87), Universal Property (64), Progressive (56).

personJessica Wilson

Pilot agent · Florida

Book of 518 active policies across 8 carriers. Top: Frontline (165), Progressive (134), Tower Hill (56).

#	Carrier	Chris policies	Ryan policies	Jessica policies	Combined policies	Signal agents	KB Status	Action for Carriers Team
Tier P0 · All three agents — already prepared, no new work
P0	Progressive Home HO3 / HO6 / HO4 + Flood endorsement	231	56	134	421	3 / 3	check_circleReady	No action — current QRGs in `sources/Progressive/Florida/`. Confirm 03/2026 is latest.
P0	American Integrity (AIIC) HO3/HO4/HO6/DP1/DP3/MH — richest source	332#1 for Chris	32	34	398	3 / 3	check_circleReady	5 manuals + 10 hint guides + 20 supplementary already indexed. No action.
P0	Tower Hill HO3/HO4/HO6/DP1/DP3/MH/Flood	168	47	56	271	3 / 3	check_circleReady	11 regional sheets indexed. Optional upgrade: source the Tower Hill UW Manual to cover dogs/pools/trampolines (matrix-only today).
P0	Universal Property & Casualty Widest personal-lines range in panel	70	64	45	179	3 / 3	check_circleReady	FL Binding Guidelines (12/08/2025) in KB. No action.
Tier P1 · High-volume single-agent OR two-agent overlap — source first
P1	Trident Reciprocal Exchange FL homeowners reciprocal — Chris's #2	275#2 for Chris	—	—	275	1 / 3	priority_highNot in KB	Highest single-agent volume in the gap list. Source FL binding guidelines + reciprocal-program details. Blocks any rollout to Chris.
P1	Frontline FL-only homeowners specialist	89	—	165#1 for Jessica	254	2 / 3	check_circleReady	Binding guidelines (01/09/26) + QRG (04/01/26) indexed. No action — but Jessica's #1 makes this a must-test demo carrier.
P1	RocketMGA FL homeowners MGA — Chris's #5	129	—	—	129	1 / 3	priority_highNot in KB	Source FL binding guidelines + product fact sheet. Notable growth — 34 prior → 129 current.
P1	Cabrillo Coastal FL coastal specialist — Chris's #6	93	—	—	93	1 / 3	priority_highNot in KB	Source FL binding guidelines + coastal/wind-zone supplements. Notable growth — 27 prior → 93 current.
P1	Cypress Property & Casualty Ryan's #1 — 23% of his book	—	87#1 for Ryan	—	87	1 / 3	priority_highNot in KB	Blocks Ryan's pilot. Source Cypress FL binding guidelines + UW manual.
P1	Peoples Trust FL — Rapid Response model	—	36	24	60	2 / 3	priority_highNot in KB	Source FL binding guidelines + Rapid Response program details. Two-agent overlap.
Tier P2 · Single-agent, substantial volume (40–80 policies) — source after P1
P2	Patriot Select Insurance FL homeowners program	73	—	—	73	1 / 3	priority_highNot in KB	Source program guide + eligibility rules.
P2	Florida Family FL-only homeowners carrier	72	—	—	72	1 / 3	priority_highNot in KB	Source FL binding guidelines.
P2	Security First FL homeowners	67	—	—	67	1 / 3	priority_highNot in KB	Source FL binding guidelines. Confirm with Chris whether this is a maintained or runoff line. (Prior 23 → current 67 — growth.)
P2	American Traditions FL homeowners	64	—	—	64	1 / 3	priority_highNot in KB	Source FL binding guidelines.
Tier P3 · Lower volume or declining book — source if capacity allows
P3	Loggerhead Reciprocal FL homeowners — book declining (90 → 44)	44	—	—	44	1 / 3	priority_highNot in KB	Source if still placing new business. Confirm runoff status with Chris.
P3	Bankers Insurance FL — book declining (53 → 41)	41	—	—	41	1 / 3	priority_highNot in KB	Confirm appetite — source only if still binding new business.
P3	Southern Oak FL — book declining (81 → 40)	40	—	—	40	1 / 3	priority_highNot in KB	Confirm appetite — source only if still binding new business.
P3	Johnson & Johnson MGA / wholesale broker	—	—	37	37	1 / 3	priority_highNot in KB	Source any UW / program guides published. Note: J&J is a wholesaler — guidelines may be per-program.
P3	Wright Flood Flood-only — supplements primary HO	—	29prior 101	—	29	1 / 3	priority_highNot in KB	Flood is its own product line — flag for product team scope review before sourcing.
P3	Florida Peninsula FL homeowners — Edison affiliate	—	27	—	27	1 / 3	priority_highNot in KB	Source FL binding guidelines.
P3	Travelers National — FL homeowners doc missing	—	—	23	23	1 / 3	warningDeclared gap	Already in scope but flagged as gap — `sources/Travelers/Florida/` has only auto + umbrella. Re-source the FL homeowners product guide.

Signal: agents who write the carrier (out of 3 — Chris / Ryan / Jessica).

P0 All three agents

P1 ≥85 policies OR 2-agent overlap

P2 60–80 policies, single agent

P3 <50 policies or declining book

flagRecommended sourcing order

Sprint 1 — Unblock the biggest gap (1 carrier): Trident Reciprocal. 275 policies for Chris — the single largest unsourced carrier. Without it, Chris's pilot is missing 15% of his book.
Sprint 2 — Pilot unblockers (2 carriers): Cypress (blocks Ryan — 23% of his book) and Peoples Trust (overlap between Ryan + Jessica).
Sprint 3 — High-volume Chris growth carriers (2 carriers): RocketMGA (129, growing fast) and Cabrillo (93, growing fast). Both newer entrants with rising volume.
Sprint 4 — Mid-volume single-agent (4 carriers): Patriot Select, Florida Family, Security First, American Traditions. Order by document availability.
Sprint 5 — Lower-priority / runoff (6 carriers): Loggerhead, Bankers, Southern Oak (all three appear to be runoff for Chris), Johnson & Johnson, Florida Peninsula, Travelers (re-source). Wright Flood needs scope review first.
Optional upgrade: Tower Hill UW Manual — current matrix-only sources can't answer dog/pool/trampoline questions for the Tower Hill row.

checklistPer-carrier deliverable from carriers team

Primary: FL binding guidelines PDF (the eligibility / appetite document).
Secondary if published: UW quick-reference guide, product manual, any FL-specific supplements (coastal, roof age, dog breeds, entity ownership).
Filing convention: drop into docs/sources/<Carrier>/ matching the existing structure. Index entry goes into FL-HOMEOWNERS-FILE-INDEX.md with page count and effective date.
What we don't need: auto, umbrella, motorcycle, boat, RV, commercial. Scope is FL personal-lines homeowners only.
Before sourcing P3 declining carriers (Loggerhead, Bankers, Southern Oak): confirm with Chris whether these are still binding new business or pure runoff. Don't burn effort on runoff carriers.