Orion180 Insurance has launched its FLEX homeowners insurance coverage in Colorado.
FLEX Home Insurance is designed to give homeowners greater control over how they protect their
property, allowing them to tailor coverage to fit their individual risk tolerance and budget.
The product is powered by a hail and wildfire risk model built specifically for Colorado. The
company’s underwriting and rating engine evaluates individual property characteristics to reflect actual risk exposure.
Coverage A limits are available from $300,000 up to $2 million. Policyholders can select optional perils including wind, hail, tornado, and named storm coverage, as well as a variety of deductible and co-pay options.
Additional features for the product in Colorado include:
Multiple roof coverage options, including replacement cost value, actual cash value and roof limit selections
Deductibles ranging from $2,500 or 1% up to $100,000 or 10%
Optional co-pay feature
Excludable coverages including loss of use, personal liability and medical payments
Orion180 is a technology-driven insurance provider offering property insurance, flood coverage an
d other products and services. Operating as a full-stack carrier, the company partners with independent agents.
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A 14-month-long “ghost broker” investigation has concluded with the arrest of a man accused of proc
uring more than 1,120 auto insurance policies using fraudulent data and social media apps.
The Utah Insurance Department announced the arrest of Carlos David Garcia Gonzalez in Liberty Hills, Texas.
It is alleged that between January 2023 and January 2026, Garcia operated a large-scale “ghost broker” scheme in which he procured auto insurance policies by su
bmitting fraudulent data online to three different carriers on behalf of predominantly Hispanic victims residing in Utah.
The actions of Garcia, who is not a licensed insurance agent, resulted in $832,000 in premium avoida
nce. While fraudulently writing the auto policies, Garcia charged his victims more $84,470 in p
ayments for obtaining the policies, according to the department.
The Utah Insurance Department previously issued two alerts regarding Garcia’s practices to wa
rn consumers about purchasing auto policies with unconfirmed agents via WhatsApp or other social media type platforms.
