DIFFICULT TO PLACE PROPERTY COVERAGE

We are now offering Difficult to Place Property Insurance. Empire offers a wide range of specialties when it comes to Property Insurance.

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Program highlights

Commercial or Personal Properties

Monoline Wind Coverage

Wind Deductible Buy-Back Program

Low (or no) Wind Deductible

DIC

Earthquake

Flood

Available in Most States

Sampling of Target Classes
  • Condominium Associations
  • Apartment Buildings
  • Hotels & Motels
  • Retail Stores
  • Restaurants
  • Vacant Properties
  • Builder’s Risk & Course of Construction
  • Older Structures
  • Non-Sprinklered Risks
  • More Hazardous Occupancies
  • Medium – High Brush Exposure
  • Protection Codes 4, 6, or Higher
  • Risk with Quote Time Constraints
  • Risks With Prior Shock Losses
  • Flood A&V, CBRA & Non-Participating Zones
  • Many More Available

Appetite

  • Limits = $7,000,000 limit of loss with access to higher limits.
  • FLOOD only, Limit = up to $10,000,000 all zones considered

Carriers

  • ACE
  • Berkshire Hathaway Guard Ins Group
  • Chubb
  • Endurance
  • Kinsale
  • Lloyds
  • Seneca
  • Sompo
  • Starstone
  • United Specialty
  • WR Berkley
  • Zurich

Commission:  13%

Submission Requirements

ACORD 139

Complete Statement of Values (SOV)

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