Low perspective view of palm tree and skyscrapers in Miami, Florida
Middle Market

Tailored Solutions to Protect Your Business

From AM Best ‘A++’ ,‘A’, and ‘A-’ and S&P 'AA++' and 'A+' Rated Insurance Coverage Providers

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:
  • National Fire & Marine Insurance Company (A++ XV AM Best rated and AA+ S&P rated)
  • Certain underwriters at Lloyds (A XV AM Best and A+ S&P rated)
  • United Specialty Insurance Company (A X AM Best rated)
  • Fortegra Specialty Insurance Company (A- IX AM Best rated)
  • Velocity Specialty Insurance Company (A- VIII AM Best rated)
Availability:
  • All 50 states
  • Submitted risk must have at least 50% hurricane or earthquake exposure
Capacity:
  • Minimum TIV: $10M per location
  • $50K minimum premium
Small to Medium Business

Keep Your Business in Business

From AM Best ‘A++’ ,‘A’, and ‘A-’ and S&P 'AA++' and 'A+' Rated Insurance Coverage Providers

We protect against:
  • Windstorm/hail
  • All other perils (AOP)
  • Earthquake
Capacity:
  • Max TIV: $10M in Alabama, Florida, Georgia, Louisiana, Mississippi, South Carolina, Texas
Security:
  • National Fire & Marine Insurance Company (A++ XV AM Best rated and AA+ S&P rated)
  • Certain underwriters at Lloyds (A XV AM Best and A+ S&P rated)
  • United Specialty Insurance Company (A X AM Best rated)
  • Fortegra Specialty Insurance Company (A- IX AM Best rated)
  • Velocity Specialty Insurance Company (A- VIII AM Best rated)
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.

Skyline view of Ben Franklin Bridge in Philadelphia, Pennsylvania at sunset
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.

Our hearts go out to the people whose lives and property have been affected by the recent hurricanes, and our greatest concern is for the safety of everyone impacted.

 

We understand the challenges these storms have brought, and we want to remind you that we are here to support you every step of the way.

 

If you have experienced a loss, please contact us 24/7 by phone at 844-878-2567 or online to report a claim.


As always, we are committed to helping you and your clients recover as smoothly as possible. If you have any questions or need additional support, do not hesitate to reach our to our team.