Formed from a carrier. Built for agents.

The Sycamore name has been on specialty personal lines since 2012. Sycamore Specialty Underwriters formed in 2022 to focus that book, pairing personal lines programs with a national wholesale brokerage. Since August 2024 the company has been independent and family-owned, headquartered in Troy, Michigan.

We built Sycamore for the risks that many markets walks away from. Homes with an older roof, a prior claim, a vacancy, a trust or LLC on the deed. Sound risks that a rigid rule set declines on a single factor. Someone has to write them, and write them well.

That is where our carrier heritage shows up. It shows up in how a file gets worked: underwriting judgment on every submission, real data behind every decision, and four levers that keep a hard risk open instead of closing it. Exclude the factor, endorse it, change the coverage basis, or refer it to underwriting.

And it shows up in who we build for. Independent agents carry these risks into every conversation with a client. Sycamore gives them a market that reads the whole file, quotes from their office, and treats a hard placement as a problem to solve rather than a form to reject.