District Cover Commercial Package | Commercial Property & General Liability | London Underwriters
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Finding coverage for property risks in challenging locations isn't always easy. District Cover specializes in writing commercial businesses that standard markets often decline.

HIGHLIGHTS

✔ Non-Admitted Commercial Package

✔ General Liability Limits up to $1M / $2M Aggregate

✔ Agency Bill

✔ Underwriter Review Prior to Binding

✔ Multiple Locations Accepted

✔ Up to $10 Million Total Insured Value

✔ CAT Capacity Available up to $5 Million

✔ Coastal Business Appetite (within one mile of the coast)

Mixed Use Capabilities
Eligible States
District Cover Eligible States

New York: Available on an E&S basis. Please contact your London Underwriters representative for placement assistance.

Why District Cover?

Backed by Vantage Risk Specialty Insurance Company (A- Excellent)

Why Agents Choose District Cover

Flexible Property Appetite

Unlike many markets, District Cover focuses on difficult property risks without automatically restricting theft coverage.

Coastal Capacity

Write qualifying businesses located within one mile of the coast, with strong consideration for superior construction.

Higher Crime Doesn't Mean No Coverage

Coverage is specifically designed for businesses located in higher-crime areas, with theft exclusions or Assault & Battery exclusions used only on selected classes where appropriate.

Larger Property Schedules
Multiple locations accepted with Total Insured Values up to $10M.

TARGET CLASSES

Property Owners (LRO)

  • Office Buildings

  • Medical Office Buildings

  • Personal Service Buildings

  • Light Retail Centers

(No habitational, warehouses or restaurants.)

Professional Services

  • Accounting Offices

  • Law Firms

  • Real Estate Offices

  • Consulting Firms

Personal Services

  • Nail Salons

  • Barber Shops

  • Day Spas

  • Beauty Salons

Retail

  • Light Retail Stores

  • Grocery Stores

  • Convenience Stores (No Gas)

  • Liquor Stores

Healthcare

  • Physicians

  • Dentists

  • Physical Therapy

  • Outpatient Medical Offices

Additional Classes

  • Laundromats

  • Wholesale Businesses

  • Artisan Contractors
    (NC, AZ, IN, MI, MN, OH & TX only)

Binding Information

  • E&S Product

  • Underwriter approval required before binding

  • Agency Bill

  • Not available through the LU One InsurTech platform

Restaurants

  • ​Restaurants with less than 50% liquor sales.

​Looking for a market for difficult commercial property risks?

District Cover gives London Underwriters agents access to an experienced underwriting team focused on challenging property exposures, higher-crime locations, and businesses that often fall outside the standard market.

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