Orchid appears to operate as a catastrophe-focused property insurance intermediary/program platform with personal lines solutions for homeowners, flood, excess flood, and wind exposure. The website emphasizes agency distribution, coastal/catastrophe property expertise, partnerships, state guidelines, and self-service tools. This entity could not be matched to a direct Florida OIR company record, and no underwriting manual or quick reference guide is currently on file for it in this directory’s source research — treat every figure on this page as provisional and confirm current appetite, eligibility, and licensing directly with the carrier or a licensed agent before quoting or placing coverage.