New to Trident from Citizens? We have answers to your questions in our Welcome Guide.
Florida Focused. Member Owned.
When you become a member of Trident Reciprocal Exchange, you join a community of responsible homeowners who want the best protection for their home at affordable prices. Dedicated exclusively to Florida, Trident Reciprocal Exchange focuses all its resources on providing just that.
Demotech "A" Rated
A Demotech rating is critical for a property insurance carrier like Trident Reciprocal Exchange because it provides an independent assessment of the company's financial stability and ability to pay claims, especially in a catastrophe-prone state like Florida.
An “A” (Exceptional) rating helps build trust with policyholders, agents, and mortgage lenders, many of whom require rated carriers for loan underwriting. It also reflects sound underwriting practices, strong surplus management, and operational discipline.
This affirmation reaffirms Trident's credibility in a competitive market and supports continued growth through agency appointments and reinsurance partnerships. Ultimately, it's a signal to the marketplace that Trident is a reliable and resilient insurance provider.
Why Trident
Here for Florida, Here for Good
From one coast to another, we’re in your neighborhood. Trident is proud to support you with thoughtful, diverse insurance options and fair premiums without sacrificing coverage. We offer our members abundant protection, personalized coverage options and responsive claims support, enabling you to spend your valuable time focusing on what really matters most.
Latest News from Trident
New Florida reciprocal exchange Trident secures KBRA rating
Credit rating agency KBRA has assigned an Insurance Financial Strength Rating (IFSR) to Trident Reciprocal Exchange, with a stable outlook.
Trident Reciprocal Exchange approved as ninth new property insurer in Florida
Trident Reciprocal Exchange approved to write homeowners policies in Florida, the Office of Insurance Regulation announced.
Ryan Hodges, MBA joins Trident Reciprocal Exchange as Chief Executive Officer
Ryan is a seasoned executive with over 25 years of experience in the Property & Casualty insurance market. As CEO, Ryan brings deep industry knowledge and a strategic vision shaped by a strong foundation in underwriting and risk management. Throughout his career, Ryan has held key leadership roles across the insurance landscape, consistently driving innovation, operational excellence, and profitable growth. His expertise in underwriting has played a critical role in building resilient portfolios and navigating complex market cycles. Ryan is recognized for his ability to align business strategy with evolving industry dynamics, fostering high-performance cultures, and leading with integrity and foresight. Under his leadership, organizations have strengthened their market position, enhanced underwriting discipline, and achieved sustainable results. Welcome Ryan, the Trident Team is excited to have you lead our journey and make Trident a world-class organization!
Eric Anderson joins Trident Reciprocal Exchange as Chief Operations Officer
Eric is a seasoned leader with extensive experience in the insurance industry where he has developed a reputation for driving operational results and strategic growth. As an active attorney licensed to practice in Florida, Eric also has a deep understanding of the unique regulatory environment and compliance obligations faced by insurance carriers. His ability to blend operational and legal expertise provides a unique backdrop that has also allowed him to develop and implement enterprise risk management strategies that foster long-term value creation. Eric came to Trident from Bankers Insurance Group where he was Associate General Counsel and Vice President of Risk Management. He looks forward to this exciting opportunity where he can build strong teams, streamline operations, and make a real impact in an industry that helps people protect what matters most.
New Florida reciprocal exchange Trident secures KBRA rating
Credit rating agency KBRA has assigned an Insurance Financial Strength Rating (IFSR) to Trident Reciprocal Exchange, with a stable outlook.
Trident Reciprocal Exchange approved as ninth new property insurer in Florida
Trident Reciprocal Exchange approved to write homeowners policies in Florida, the Office of Insurance Regulation announced.
Ryan Hodges, MBA joins Trident Reciprocal Exchange as Chief Executive Officer
Ryan is a seasoned executive with over 25 years of experience in the Property & Casualty insurance market. As CEO, Ryan brings deep industry knowledge and a strategic vision shaped by a strong foundation in underwriting and risk management. Throughout his career, Ryan has held key leadership roles across the insurance landscape, consistently driving innovation, operational excellence, and profitable growth. His expertise in underwriting has played a critical role in building resilient portfolios and navigating complex market cycles. Ryan is recognized for his ability to align business strategy with evolving industry dynamics, fostering high-performance cultures, and leading with integrity and foresight. Under his leadership, organizations have strengthened their market position, enhanced underwriting discipline, and achieved sustainable results. Welcome Ryan, the Trident Team is excited to have you lead our journey and make Trident a world-class organization!
Eric Anderson joins Trident Reciprocal Exchange as Chief Operations Officer
Eric is a seasoned leader with extensive experience in the insurance industry where he has developed a reputation for driving operational results and strategic growth. As an active attorney licensed to practice in Florida, Eric also has a deep understanding of the unique regulatory environment and compliance obligations faced by insurance carriers. His ability to blend operational and legal expertise provides a unique backdrop that has also allowed him to develop and implement enterprise risk management strategies that foster long-term value creation. Eric came to Trident from Bankers Insurance Group where he was Associate General Counsel and Vice President of Risk Management. He looks forward to this exciting opportunity where he can build strong teams, streamline operations, and make a real impact in an industry that helps people protect what matters most.
New Florida reciprocal exchange Trident secures KBRA rating
Credit rating agency KBRA has assigned an Insurance Financial Strength Rating (IFSR) to Trident Reciprocal Exchange, with a stable outlook.
Trident Reciprocal Exchange approved as ninth new property insurer in Florida
Trident Reciprocal Exchange approved to write homeowners policies in Florida, the Office of Insurance Regulation announced.
Ryan Hodges, MBA joins Trident Reciprocal Exchange as Chief Executive Officer
Ryan is a seasoned executive with over 25 years of experience in the Property & Casualty insurance market. As CEO, Ryan brings deep industry knowledge and a strategic vision shaped by a strong foundation in underwriting and risk management. Throughout his career, Ryan has held key leadership roles across the insurance landscape, consistently driving innovation, operational excellence, and profitable growth. His expertise in underwriting has played a critical role in building resilient portfolios and navigating complex market cycles. Ryan is recognized for his ability to align business strategy with evolving industry dynamics, fostering high-performance cultures, and leading with integrity and foresight. Under his leadership, organizations have strengthened their market position, enhanced underwriting discipline, and achieved sustainable results. Welcome Ryan, the Trident Team is excited to have you lead our journey and make Trident a world-class organization!
Eric Anderson joins Trident Reciprocal Exchange as Chief Operations Officer
Eric is a seasoned leader with extensive experience in the insurance industry where he has developed a reputation for driving operational results and strategic growth. As an active attorney licensed to practice in Florida, Eric also has a deep understanding of the unique regulatory environment and compliance obligations faced by insurance carriers. His ability to blend operational and legal expertise provides a unique backdrop that has also allowed him to develop and implement enterprise risk management strategies that foster long-term value creation. Eric came to Trident from Bankers Insurance Group where he was Associate General Counsel and Vice President of Risk Management. He looks forward to this exciting opportunity where he can build strong teams, streamline operations, and make a real impact in an industry that helps people protect what matters most.