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Company Overview

Citizens is a not-for-profit, tax-exempt government corporation whose public purpose is to provide insurance protection to Florida property owners throughout the state. The corporation insures hundreds of thousands of homes, businesses and condominiums whose owners otherwise might not be able to find coverage.

Citizens operates according to statutory requirements created by the Florida Legislature and a Plan of Operation approved by the Florida Financial Services Commission. The corporation is governed by a Board of Governors that administers its Plan of Operation. Florida's Governor, President of the Florida Senate, Speaker of the Florida House and the state's Chief Financial Officer each appoint two members to the Board.

Citizens has offices in Tallahassee, Jacksonville and Tampa. Tallahassee is the corporate headquarters for the organization. The Jacksonville and Tampa offices provide policy services and underwriting, claims, and customer support.


Our Mission

Our mission is to serve the people of Florida by providing property and casualty insurance protection and superior customer service.


Our Vision

We aspire to be responsive stewards of the public trust, setting the standard for courteous, prompt and professional customer service, operational efficiency and fiscal responsibility. We strive to be an important insurance safety net for Floridians and to earn respect as a valuable partner in protecting Florida's economic health.


Our Values

In accomplishing our mission, we embrace the following values:

  • Public Service: We are committed to provide the highest quality of service to benefit the citizens of Florida.
  • Integrity: We will demonstrate steadfast adherence to our values and ethical code of conduct.
  • Respect: We will reflect genuine honor and respect for one another and those we serve.
  • Courtesy: We will exhibit well-mannered behavior and politeness in everything we do.
  • Responsiveness: We will perform with an appropriate sense of urgency and flexibility.
  • Fairness: Our overriding culture is to always do the right thing.


Corporate Goals
  1. Provide outstanding policyholder service and support through a strong customer service culture.
  2. Develop superior claims and underwriting operations.
  3. Ensure strong corporate governance and fiscal prudence
  4. Expand and strengthen recruiting, education and development programs for staff.
  5. Ensure appropriate capability and reliability of business systems