Products
Middle Market
Commercial habitational, real estate/lessor’s risk, office/retail/restaurant, and public entity/municipality/school districts. Our underwriting team utilizes advanced technology and third-party data to offer bespoke coverage for your mid-large commercial property nationwide through a pool of specialized national and regional wholesale brokers.
Products
Small to Medium Business
We offer coverage for commercial habitational, real estate/lessor’s risk, office/retail/restaurant, and healthcare businesses. Our advanced underwriting technology enables us to tailor your coverage to your specific business needs.
Middle Market
Tailored Solutions to Protect Your Business
We protect against:
- Named Wind, Earthquake, and Flood
Product Offering:
- All Risk Including, Named Perils, Wind Deductible Buy Back
We offer:
- Primary
- Excess
- Quota Share
- Ground Up
We focus on:
Catastrophe exposed commercial properties:- Tier 1 and Tier 2 from Texas to Maine
- California and Pacific Northwest Earthquake
Security:
- Financial strength rating of supporting issuing paper/security from rated insurance coverage providers:
- AM Best: ‘A++’ ,‘A+’, ‘A’ and ‘A-’
- S&P: 'AA+’, 'A+’ and ‘AA-’
Availability:
- All 50 states
Capacity:
- Minimum TIV: $10M per location
- $50K minimum premium
Small to Medium Business
Keep Your Business in Business
We protect against:
- Windstorm/hail
- All other perils (AOP)
- Earthquake
Capacity:
- Max TIV: $10M in Alabama, Florida, Georgia, Louisiana, Mississippi, South Carolina, Texas
Security:
- Financial strength rating of supporting issuing paper/security from rated insurance coverage providers:
- AM Best: ‘A++’ , ‘A’ and ‘A-’
- S&P: 'AA+’ and 'A+’
Availability:
- Alabama
- Florida
- Georgia
- Louisiana
- Mississippi
- South Carolina
- Texas
Moratorium Policy
Our Moratorium Policy
In some circumstances, we will temporarily halt or suspend certain underwriting activities in particular areas. Additional restrictions may be imposed when appropriate.
When a territory is under a moratorium for a given peril:
- No new policy quote will be issued
- No outstanding quote can be bound
- Renewals and endorsements will be subject to underwriting referral
- Certification of no loss may be required post event
At a minimum, the moratorium by peril will include the following:
Earthquake
- Exposure within 50 miles of an epicenter of an earthquake recorded at size 5.0 or greater
- Moratorium will last for 10 days from last reported shake on the subject fault line
Wind
- Risks with a location projected to be in the path of a named tropical storm as determined by the NOAA or National Hurricane Center
- Size and scope will vary by the intensity of any given named storm
- Moratorium will last the duration of the named storm
Flood
- Risks with a location projected to be in the path of a named tropical storm as determined by the NOAA or National Hurricane Center
- Size and scope will vary by the intensity of any given named storm
- Moratorium will last the duration of the named storm
- Imminent flood watch or warning as declared by NOAA or other governmental agencies involved in the measurement of flood
All perils:
- If a fire or similar peril is proximate to, or if an insured location is in the potential path of, a known event.