EARTHQUAKE – DIC COVERAGE, FLOOD
If your clients have personal properties that are at risk of earthquake or flood damage Empire has a new program to fit their needs.
Program highlights
This Product is for either Personal Lines Properties or Commercial
Earthquake
DIC
Flood
Monoline Wind Coverage
Wind Deductible Buy-Back Program
Low Wind Deductible
No Wind Deductible
Sampling of Target Classes
- Condominium Associations
- Vacant Properties
- Builder’s Risk and Course of Construction
- Many More Available
Appetite
- COVERAGE: Limits = $7,000,000 limit of loss with access to higher limits. (Primary, Excess, and full valued limits)
- D.I.C. including standalone Flood and Earthquake
- “ALL RISKS’ excluding Flood, and Earthquake
- Stand Alone Windstorm and Hail
- All occupancies considered, no restrictions
- FLOOD only, Limit = up to $10,000,000 all zones considered (All occupancies considered, no restrictions)
Accepted Risks
- Tough Risks
- High Hazard Risks
- Prior Claims History
- Lapse in Coverage
- High Profile Personality Owned
Areas of Success
- Older Structures
- Non-Sprinklered Risks
- More Hazardous Occupancies
- Medium – High Brush Exposure
- Protection Codes 4 or 6 or Higher
- Risk with Quote Time Constraints
- Risks With Prior Shock Losses
- Flood A&V, CBRA & Non-Participating Zones
Submission Requirements
Complete Statement of Values (SOV) Form (Acord 139) - Click to Download
Do More for your clients