Products Available
  • 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)

Coverages Available
  • Buildings
    (Residential, Commercial & Condominiums)

  • Contents
    (Household or Business Contents)

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

National Flood Insurance Program (NFIP)
Program Specifics

Limits of Liability


  • Residential: $250,000

  • Commercial: $500,000

  • Other Residential: $500,000

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


  • Residential: $100,000

  • Commercial: $500,000


  • Range: $1,250 to $25,000

Eligible Properties

  • Residential Dwelling (1-4 Family)

  • Apartments

  • Multi-Family Condominiums

  • Commercial Properties

Excess Flood
  • 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

    Private Primary Flood
    Program Specifics

    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)

        Deductible Buy-Down

        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

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


            • 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


            Excess Flood
            • 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


                • 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

                                    High Value Homeowners
                                    Program Specifics
                                    • 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

                                    Program Map & Availability

                                    US Map - Nationwide

                                    Available Nationwide

                                    Submission Requirements
                                    • Acord Application

                                    • DUAL Supplemental

                                    • Loss Runs

                                    • Flood Elevation Certification

                                    Patrick Small

                                    Managing Director

                                    Chicago Office
                                    Specialty Property

                                    T: 973-631-7575 Ext: 160
                                    F: 239-263-1808

                                    Thomas Becker

                                    Director of Business Development

                                    Chicago Office Specialty Property T: 973-631-7575 Ext: 161 F: 239-263-1808

                                    Luis Calderon


                                    Chicago Office
                                    Specialty Property

                                    T: 973-631-7575 Ext: 163
                                    F: 239-263-1808

                                    Teri Lawson

                                    Senior Underwriter

                                    Chicago Office
                                    Specialty Property

                                    T: 973-631-7575 Ext. 162
                                    F: 239-263-1808

                                    Michael Culbert CPCU


                                    Chicago Office
                                    Specialty Property

                                    T: 973-631-7575 Ext. 608
                                    F: 239-263-1808

                                    Rebecca Wagner

                                    Associate Underwriter

                                    Naples Office Associate Underwriter  T: 973-631-7575 Ext: 200 F: 239-263-1808