Specialty Perils 2018-06-12T13:20:18+00:00

Why Specialty Perils Insurance?

Defend against Mother Nature's most vicious storms, such as earthquakes, wind/hail and more, with DUAL's Specialty Perils Program.

Products Avaliable
  • Wind, Hail, Flood & Quake Deductible Buy-Down
  • Coastal All Risk & Wind
  • High Value Homeowners
  • AOP
  • Commercial Property Coverage
Deductible Buy-Down
  • In-House Capacity of $20 Million per Location all Interest (Building, Contents, Loss of Income)
  • Max Limit of Liability: $1,000,000
  • Minimum Earned Premium Generally Fully Earned Unless Otherwise Agreed
  • Perils: Flood, Earthquake, Wind, Hail & All Risks
Submission Requirements
  • Acord Application
  • DUAL Wind Deductible Buy-Back Application
  • Excel SOV
  • 5 Year Loss Runs

Coastal All Risk & Wind

All Risks or Wind Only Coverage for Coastal Properties Located from Maine to Texas

Coverage
  • Buildings (Residential, Commercial, Condominiums)
  • Contents (Household or Business Content)
  • Loss of Income (Net Business Income or Loss of Rent)
Limits Available/Per Occurrence
  • $500,000 to $10,000,000 Subject to Underwriting Guidelines, Construction type and State
Construction Types
  • All Types-Wood Frame, Non-Combustible I or II, Joint Masonry/Non-Combustible. Fire Resistive

High Value Homeowners

Nationwide Program

High Value Home Owners
  • Non-Admitted Nationwide Program
  • All-Risk or Named Perils, Standalone Quake & Landslide Available
  • Forms: HO3, HO4, HO5, HO6, DP1, DP3
  • Full Replacement Cost on Dwelling and Contents, All Risk Contents, Extended Replacement Cost on Dwelling, Ordinance Law, Water/Sewer Back-up, Personal Injury, Identity Fraud, Increased Limits for Fine Art & Jewelry
  • Owner Occupied, Secondary, Tenant Occupied, Seasonal Dwellings, Vacant Dwellings, Trusts or LLCs

Small Commercial Property

Highlights
  • Limits: Up to $7,000,000 TIV
  • Types of Coverage: Property, All risks excluding Flood and Quake, Wind/Hail only, DIC including stand alone Earthquake and Flood, Deductible Buy-downs, primary, excess and full valued limits
  • Types of Business/ Occupancy:Commercial and Habitational, all types considered with no specified restrictions
Submission Requirements
  • Completed Acord Application
  • Target premium and 5 Year Loss Runs

Contact Our Team

PATRICK SMALL

Managing Director

973-631-7575 Ext: 160

psmall@dualcommercial.com

THOMAS BECKER

Director of Business Development

973-631-7575 Ext: 161

tbecker@dualcommercial.com

TERI LAWSON

Senior Underwriter

973-631-7575 Ext. 162

tlawson@dualcommercial.com

LUIS CALDERON

Underwriter

973-631-7575 Ext: 163

lcalderon@dualcommercial.com

MICHAEL CULBERT CPCU

Underwriter

973-631-7575 Ext. 608

mculbert@dualcommercial.com

REBECCA WAGNER

Associate Underwriter

973-631-7575 Ext: 200

rwagner@dualcommercial.com