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Commercial Property Insurance

Insurance for Commercial Properties

We have both admitted and non-admitted programs for Commercial Property.

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Our Underwriting team operates with direct binding authority on a proprietary Lloyd's of London program and has several other markets to submit your risks to.

  • Admitted & Non-Admitted Programs Available

  • In House Binding Authority with Lloyd's of London

  • Property Products Available: ​

    • Business Owners Policy

    • Property

    • Wind & Wind Buy Backs

Target Classes

  • Apartments

  • Banks

  • Condos

  • Lessors Risk

  • Light Manufacturing

  • Offices

  • Restaurants

  • Retail

  • Schools

  • Shopping Malls

  • Warehouses

  • And More!

Coverage Overview

Commercial Property

Perils of Wind/Hail, Flood, & Earthquake are available upon review anda availability

Commercial Property

Basic & Special Form Available

Commercial Property

No restrictions on age of property however, older locations will need to be fully updated

Deductibles

  • $1k for risks under $750k TIV

  • $2.5k for risks over $750k TIV

  • Wind Deductible varies by state

Limits Available

  • Maximum TIV limits $25,000,000

  • Higher TIV limits up to $100M+ are available for Underwriting review

Ineligible Risks Within Our Binding Authority

Claims History: Any open claims

  • Bowling Alleys

  • Distilleries 

  • Bridges/ Tunnels/ Dams/ 

  • Piers/ Wharves/ Docks

  • Explosive & Firework 

  • Manufacturers or Stores

  • Greenhouses

  • Manufacturing

  • Nightclubs

  • Gas Stations

  • Utilities

​Should one of your risks fall within one of the classes listed above, please contact Underwriting for consideration.

Large Property Appetite Overview

Target Risks:

General Property

  • Lessor's Risk

  • Retail

  • Offices

Habitational

  • Apartments

  • Assisted Living

  • Mercantile

  • Habitational

  • Garden-style condominiums

Excluded Risks

  • Pre-1987, waterfront hotels/motels

  • Pre-1987, waterfront, ISO 1-3

  • Structural renovations

  • EIFS Cladding except incidental or cosmetic

  • Mid-term or bare accounts

  • Contents/BI only (will consider apartment Rents Only)

Minimum Deductible:

$2,500 - $10,000 AOP

  • 1-5% Named Storm Wind/Hail

  • $25,000 - $100,000 All Other Wind

  • Section 8 subsidized (unless incidental)

  • Unprotected aluminum wiring

Geographical Specialty​

  • Wind-exposed property in continental U.S.

Policy Terms:

Up to $300M 

Per Risk

  • Generally Full Limit

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