The Delegated Property & Casualty Division offers Property Coverage nationwide including wind prone coastal areas. Our focus is on small to medium sized businesses. Coverage can be provided on a Basic, Broad or Special form. Monoline or Package Policies are available. Most Classes of business are eligible subject to our Underwriting Guide.

Coverage Offered

• Property - Most standard ISO classes with minimal restrictions as to class, construction, cause of loss, or public protection
• Specialty Programs for designated producers
• Individual risk coverage written on a non-admitted basis

Risk Appetite

• Commercial Fire & Allied Lines only; not a market for flood insurance
• Vacant properties
• Builder’s risks – new construction and renovations
• Coastal Wind
• Equipment Breakdown
• Wind Deductible Buybacks
• Comprehensive Property Coverage Endorsement (one endorsement = 10 coverage’s) (COMPAC)

Coverage Limits

• Basic authority – $1,000,000 at any one location up to a $4,000,000 maximum per location, $10,000,000 TIV for any one Policy
• Potential to earn higher authority if maintain sufficient volume, underwriting profitability and favorable audits

Pricing

• Judgment rated subject to minimum rates based on construction and territory
• Minimum Premium – $500

Capacity

• Available wind capacity dependent upon construction, distance to tidal water, and the particular state
• Quota Share is available
• Not a market for First Loss / Primary Placements but we will consider Excess placements

Eligible Exposures

• We will entertain most classes of business except for high hazard classes. Classes are outlined in the Underwriting Guide

Ineligible Exposures

• High Hazard Manufacturing/Processing
• Distributors and Warehouses storing High Hazard goods
• Docks operations, Drawbridges
• Foundries
• Gas Companies, Dealers/Distributors

Please refer to our Underwriting Guide for a complete list of Eligible or Ineligible Exposures.