Frontline built its entire book around coastal catastrophe exposure in the Southeast, writing homeowners, condominium and renters coverage in Florida, Alabama, North Carolina and South Carolina. Policies are issued by First Protective Insurance Company, formed in 1998 as the group’s admitted carrier, with Frontline Insurance Unlimited Company handling surplus lines risks. Every claim goes to Frontline’s own staff, and after a hurricane or other major loss the company sends a Loss Recovery Specialist to your property rather than routing you to a rotating independent adjuster. A Contractor Assist program connects policyholders with vetted vendors for rebuilding. The group carries no AM Best rating and withdrew from Demotech at the end of 2022; KBRA affirmed a BBB+ insurance financial strength rating with a stable outlook for both companies in August 2025.
