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 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.
Products
Homeowners
Primary, secondary/seasonal, short- and long-term rental properties. Through comprehensive and accurate property information and by leveraging geospatial imagery and machine learning, we specialize in finding the right coverage for your coastal property.
Middle Market
Tailored Solutions to Protect Your Business
From an AM Best ‘A’ Rated Insurance Coverage Provider
We protect against:
- Named storm
- Earthquake
- Flood
- All other perils (AOP)
We offer:
Primary, Excess, Quota Share for:- All risk, including named storm, earthquake, and flood
- Named perils, including named storm, earthquake, and flood
- DIC including earthquake and flood
- Named storm deductible buybacks
We focus on:
Catastrophe exposed commercial properties:- Tier 1 and Tier 2 from Texas to Maine
- Critical earthquake in California, Pacific Northwest, and New Madrid Seismic Zone
Security:
- Certain underwriters at Lloyds (A XV AM Best and A+ S&P rated)
- Independent Specialty Insurance Company (A IX AM Best rated)
Availability:
- All 50 states
- Submitted risk must have at least 50% catastrophe exposure for consideration
Capacity:
- $300M policy occurrence limits
- $75M location limit
- Average line size $15M
- Minimum TIV: $10M per location
- Max TIV: $1B per location
- $50K minimum premium
Small Business
Keep Your Business in Business
From an AM Best ‘A’ Rated Insurance Coverage Provider
We protect against:
- Windstorm/hail
- All other perils (AOP)
- Earthquake
Capacity:
- Max TIV: $5M in Florida, Louisiana, Texas
- Max TIV: $7.5M in Alabama, Georgia, Louisiana, Mississippi, New York, South Carolina, Virginia
Security:
- Certain underwriters at Lloyds (A XV AM Best and A+ S&P rated)
- Independent Specialty Insurance Company (A IX AM Best rated)
Availability:
- Alabama
- Florida
- Georgia
- Louisiana
- Mississippi
- New York
- South Carolina
- Texas
- Virginia
Homeowners
Secure Your Home Against Coastal Risk
From an AM Best ‘A’ Rated Insurance Coverage Provider
We protect against:
- Hurricane
- Windstorm and hail
- Fire and smoke
- Lightning
- Theft
- Water damage from plumbing, appliances, or other systems
- And more
We focus on:
Catastrophe exposed residential properties:
- Tier 1 and Tier 2 coastal counties; within 10 miles to the coast
- High value homes $750,000+ Coverage A
Capacity:
Maximum $3M Coverage A
Availability:
- Alabama - Coming soon!
- Florida
- Mississippi - Coming soon!
- North Carolina - Coming soon!
- South Carolina - Coming soon!
- Texas
Security:
Independent Specialty Insurance Company (A IX AM Best rated)
Useful Links:
Contact Us
To speak with customer service or to locate an agent in your area, call us at 844-878-7529
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
- 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
- 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
- If a fire or similar peril is proximate to, or if an insured location is in the potential path of, a known event.
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