Property and Flood
Modern property and flood coverage in challenging coastal markets
Overview
Commercial Property Coverage
Our non-admitted property program offers coverage up to $10,000,000 maximum Total Insured Value, specifically designed for LRO (Lessor’s Risk Only) commercial risks. We target quality properties including retail locations, office buildings, shopping centers, warehouses, and commercial condominiums. The program includes wind coverage in Tier 1 coastal territories where capacity is most needed, with the flexibility to package property and flood together for comprehensive protection.
For risks requiring additional coverage, we offer referral options to add general liability and enhanced coverage forms, with direct access to our underwriting teams.
Private Flood Insurance
Our private flood program provides a modern alternative to NFIP with solutions for both primary and excess limits. We offer eligibility for both pre-firm and post-firm structures, with no elevation certificate required for rating—simplifying the quoting process. Coverage can be effective immediately with no waiting period, and business income coverage is available to protect against flood-related revenue loss.
The program accommodates residential and commercial buildings, dwelling schedules, and condo associations. We can write properties within a quarter mile of tidal water or any FEMA-designated waterway, and offer contents/BPP-only coverage when needed. Flood coverage is available as a monoline policy or packaged with our property offering for a comprehensive solution.
Key Features
Tier 1 Property with Wind
Non-admitted property coverage including wind in CAT-exposed coastal territories, targeting retail, office, shopping centers, warehouses, and commercial condos.
Private Flood Coverage
Primary and excess flood limits for pre-firm and post-firm structures. No elevation certificate required for rating and no waiting period for coverage.
Package Options Available
Combine property and flood coverage on a single package, with referral options to add general liability and enhanced coverage forms.
Direct Underwriter Access
Work directly with our underwriting teams for support throughout the quote, bind, and issue process.
Broad Property Classes
We have expertise to consider a broad array of complex property related risks.
Flexible Limit Options
Property coverage up to $10M TIV with higher limits available on referral. Flood supports multiple buildings on a single master policy.
Where We Write
Property coverage available in 10 coastal states, flood coverage available in 16+ states
Questions? We're Here to Help
Our underwriting team has the expertise to guide you through coverage options and answer any questions.
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