Protecting Coastal Assets Worldwide
Specialized insurance solutions for high-value coastal properties, backed by deep expertise and innovative risk assessment.
Coastal Horizons is a specialist coastal property insurance provider based in Bermuda with operations in the UK. We combine deep technical expertise with innovative technology to deliver superior risk assessment and coverage solutions.
Licensed as a Class 3A insurer in Bermuda with Solvency II equivalence.
Global Reach
Providing coverage across key coastal regions worldwide
Technical Expertise
Specialized knowledge in coastal risk assessment
Financial Strength
Strong capital base and reinsurance partnerships
Innovative Solutions
Data-driven approach to risk management
Our Products
Comprehensive insurance solutions for coastal properties and related risks
Property
Comprehensive coverage for high-value coastal residential and commercial properties
- • Hurricane & storm protection
- • Flood coverage
- • Building & contents
Marine & Energy
Specialized coverage for marine assets and energy infrastructure in coastal areas
- • Marina facilities
- • Offshore structures
- • Coastal energy assets
Climate Risk
Forward-looking coverage addressing emerging climate-related risks to coastal properties
- • Sea level rise
- • Extreme weather events
- • Erosion protection
Specialty
Tailored solutions for unique coastal risks and specialized property portfolios
- • Historic properties
- • Luxury developments
- • Tourism infrastructure
Leadership Team
Meet our experienced team of insurance professionals
Michael Reynolds
Chief Executive Officer
Over 25 years of experience in the insurance industry with expertise in coastal property risks and catastrophe modeling.
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Sarah Johnson
Chief Underwriting Officer
Leads our underwriting strategy with specialized knowledge in climate risk assessment and property valuation.
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David Martinez
Head of UK & Europe
Manages our European operations with extensive experience in the London market and European coastal regions.
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Our story, mission, and commitment to coastal risk management
Our Story
Coastal Horizons was established in 2018 as a response to the growing challenges facing coastal property owners worldwide. With climate change increasing the frequency and severity of extreme weather events, we recognized the need for specialized insurance solutions backed by deep technical expertise.
Based in Bermuda with operations in London, we combine the financial strength of a Class 3A insurer with the agility to respond to emerging risks and client needs.
Our mission is to provide property owners with the confidence to invest in coastal regions through innovative risk assessment and comprehensive coverage solutions.
Year founded
Financial rating
Countries covered
Assets protected
Latest News
Stay updated with our company announcements and industry insights
April 10, 2025
Coastal Horizons Announces Full Year 2024 Results
Coastal Horizons Insurance Group today announced its results for the year ended 31 December 2024, reporting strong growth in premium volume and underwriting profit.
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November 10, 2024
Coastal Horizons Announces Q3 Year-to-Date Underwriting Profit
Coastal Horizons Insurance Group today announced an underwriting profit for the nine-months ended 30 September 2024 despite increased catastrophe activity.
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August 20, 2024
Coastal Horizons Expands UK Operations
Coastal Horizons Insurance Group today announced the expansion of its London office to better serve European clients and access the Lloyd's market.
Read moreContact Us
Get in touch with our team to discuss your insurance needs
Hamilton, Bermuda
Park Place
55 Par-la-Ville Road
Hamilton HM11
Bermuda
London, UK
1 Lime Street
London EC3M 7HA
United Kingdom
