Specialty Property

• Primary & Excess Flood Insurance

• Supplemental Earthquake
  (When Purchased with Flood)

• Wind, Hail, Flood & Quake Deductible Buy Down

• Coastal Wind from Texas to Maine

• Foreclosed/Investor Owned & Vacant Property
  (Fire, Flood & GL)

• Buildings
  (Residential, Commercial & Condominiums)

• Contents
  (Household or Business Contents)

• Loss of Income
  (Net Business Income or Loss of Rents)

Limits of Liability

Building

• Residential: $250,000

• Commercial: $500,000

• Other Residential: $500,000

• Condominiums: $250,000 x No. of Units

Contents

• Residential: $100,000

• Commercial: $500,000

Deductibles

• Range: $1,250 to $25,000

Eligible Properties

• Residential Dwelling (1-4 Family)

• Apartments

• Multi-Family Condominiums

• Commercial Properties

• Limits Available/Per Occurrence: $15 Million Over All Interest Per Risk
  (Building, Contents, Loss of Income)

• $20 Million Condo Building

• $10 Million Earthquake When Purchased with Excess Flood

Limits of Liability

• Building: $5,000,000

• Contents: $1,000,000

• Business Income: $100,000

• Total Combined Limit not to Exceed $5 Million any one Location, TIV not to Exceed $15,000,000 any one Location

• Eligible Properties
  (Commercial Properties, Apartments – Multi-Family)

• Deductibles
  (Range $1,000 to $100,000

• Eligible Properties
  (Range $1,250 to $25,000)

• Eligible Properties
  (Office Buildings, Hotels/Motels, Strip Malls, Shopping Centers and Apartment Buildings)

Available in all 50 States

• In-House Capacity of $20 Million per Location all Interest (Building, Contents, Loss of Income)

• Max Limit of Liability: $500,000

• Minimum Earned Premium Generally Fully Earned Unless Otherwise Agreed

• Perils: Flood, Earthquake, Wind, Hail & All Risks

• Underwriters are looking for middle market property opportunities, that are coastal locations particularly in catastrophic exposed areas. 

Limits

• Limits: up to $7,000,000 TIV

Type of business

• 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

• Wind / Hail only, DIC including stand alone Earthquake and Flood,  Deductible Buy-downs, primary, excess and full valued limits

• Occupancy:  All types considered with no specified restrictions

• Minimum Premium: $1500

• Coverage is excess of NFIP primary or equivalent self insured retention.  Loss of income subject to the greater of $25,000 retention or 30 days.

Limits Available/Per Occurrence

• $45 Million over all interest* per risk*(building, contents, loss of income)

• $20 Million condo building

• $10 Million earthquake when purchased with excess flood

Minimum Earned Premiums: (greater of)

• $500 residential structures

• $1,000 commercial buildings

• 50% of gross written premium

Exclusions

• Properties built on stilts over water

• Mobile, manufactured and prefabricated buildings

• Soft costs in respect of construction risks

• Medical equipment, food stuffs and perishable goods

• Contents located in basements

Submit for rating

• Properties with negative elevations

• Contents and/or Loss of Income Only risks

• V zones , CBRA  Zones or Non Participating communities

• Buildings with TIV in excess  of $30 Million all interest combined

• Construction risks over 15 months duration

• Risks where contents value exceeds 50% of the TIV

• Risks with any prior flood losses

• Available in All 50 States

• All-Risk or Named Perils

• Up to $50 Million any one location (Higher Limits Available)

• Forms: HO3, HO4, HO5, DP1, DP3

• Full Replacement Cost on Dwelling and Contents, All Risk Contetns, 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