Excess & Surplus Property

Specialized Solutions for Non-Standard Property Risks

Why Excess & Surplus Insurance?

DUAL Commercial's nationwide Excess and Surplus Property program offers simple, smart solutions for Non-Standard Property Risks. Hard to place risks that are outside the box, even accounts with prior losses can be considered by our expert E&S Underwriting team.

Program Highlights
  • Carrier Rated “A- XV” by AM Best
  • Mono-line Property
  • Non-Admitted Paper
  • Full Limit Policies
  • Primary Policies
  • Minimum Premium: $5,000
Coverage Area
  • Nationwide Program
  • Some catastrophe exposed business is not eligible
Submission Requirements
  • Acord Application
  • SOV in Excel for large schedules
  • DUAL Supplemental Vacant Building Application
  • DUAL Supplemental Habitational Application
  • Minimum 3 Years Currently Valued Loss Runs
Limits
  • $25,000,000 per location and amount subject
  • $100,000,000 TIV
  • Limitations apply for Catastrophe exposed business
  • Flood & Earthquake
  • Equipment Breakdown up to $25,000,000
Target Classes
  • Vacant Buildings
  • Renovations
  • Commercial Real Estate
  • Condominiums
  • Rental Apartments
  • Mercantile
  • Light Manufacturing and Industrial
  • Restaurants and Taverns
  • Religious Institutions
  • Hotels and Motels
  • Can Consider: Undervalued Properties, New Ventures, Accounts with Prior Losses

 

Ineligible Risks/Exposures
  • Foundries with Blast Furnaces
  • Heavy Flammable and Chemical Exposures
  • Petroleum and Related Industries
  • Overhead Transmission Lines
  • Pipelines

Contact Our Team

ELLEN O’CONNOR

EVP, Division Leader - E&S Property and CUO - Property

973-631-7575 Ext: 460

eoconnor@dualcommercial.com

JEANNETTE GUERCIO

Senior Vice President Property

973-631-7575 Ext: 462

jguercio@dualcommercial.com

DAVID HANSEN

Senior Vice President Property

973-631-7575 Ext: 463

dhansen@dualcommercial.com

JAMES ST. JOHN

Vice President Property

973-631-7575 Ext: 461

jstjohn@dualcommercial.com

JOSEPH POMARA

Assistant Vice President Property

973-631-7575 Ext: 465

jpomara@dualcommercial.com

KEVIN KUELL

Assistant Vice President Property

973-631-7575 Ext: 464

kkuell@dualcommercial.com

MELISSA BUTT

Senior Underwriter

973-631-7575 Ext: 201

mbutt@dualcommercial.com

NICOLE CALDERON

Underwriter

973-631-7575 Ext: 466

ncalderon@dualcommercial.com

WILLIAM BERNTSEN

Underwriter

973-631-7575 Ext: 470

wberntsen@dualcommercial.com

KRISTIN MAHER

Underwriter

973-631-7575 Ext: 208

kmaher@dualcommercial.com

DOROTHY QUINN

Senior Underwriting Assistant

973-631-7575 Ext: 467

dquinn@dualcommercial.com

KAREN KICK

Technical Assistant

973-631-7575 Ext: 468

kkick@dualcommercial.com

VICTORIA SANCHEZ

Technical Assistant

973-631-7575 Ext: 178

vsanchez@dualcommercial.com