Property & Casualty

Wind Deductible

The Delegated Contract P & C Unit offers Wind Deductible Buyback Coverage in certain coastal states on a non-admitted basis.

Coverage Offered

  • Allows a commercial risk to buy down their commercial property wind deductible with any carrier.
  • Coverage is provided for the perils of wind hail. Extended to all wind or hail events at the covered location, or on a “named storm” basis only.
  • Available for Building, Personal Property, Business Income, Improvements and Betterments covered under a Commercial Policy Form.
  • Coverage is available for risks located along the East Coast from Maine to South Carolina (except CT)

Risk Appetite

  • Commercial properties with up to $5,000,000 in total insured values
  • Referral needed if risk has had any wind or hail losses at a covered location within the past five years or if frame construction is over 75 years of age and less than 2,500 feet to tidal water.

Coverage Limits/Deductible

  • Up to $100,000 in coverage limits may be offered on any one policy.
  • Ten percent (10%) of the in force wind deductible subject to a minimum deductible of $2500.


  • Varies by State
  • Credit applies for "Named Storm" coverage only.