DIFFICULT/TOUGH PERSONAL LINES COVERAGE

Products/Programs

FEATURED CARRIER:

ACCEPTED RISKS:

  • Tough Risks
  • High Hazard Risks
  • Prior Claims History
  • High Values
  • Lapse in Coverage
  • High Profile Personality Owned
  • Corporately Owned Properties

PROGRAM FEATURES:

  • This Product is for Personal Lines Properties
  • Monoline Wind Coverage
  • Wind Deductible Buy-Back Program
  • Low (or no) Wind Deductibles
  • Earthquake, Flood and/or DIC
  • FLOOD only, Limit = up to $10,000,000 all zones considered (All occupancies considered, no restrictions)

COMMISSION:

  • Up To 12.5%

SUBMISSION REQUIREMENTS:

  • Complete Statement of Values (SOV) Form (Acord 139)
Click Here to Download

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

A SAMPLING OF TARGET CLASSES:
(MANY MORE AVAILABLE)

  • High Exposure or High Value Homes
  • Condominium Associations
  • Vacant Properties
  • Builder’s Risk and Course of Construction

APPETITE:

  • COVERAGE: Limits = $7,000,000 limit of loss with access to higher limits. (Primary, Excess, and full valued limits)
    1. D.I.C. including standalone Flood and Earthquake
    2. “ALL RISKS’ excluding Flood, and Earthquake
    3. Stand Alone Windstorm and Hail
    4. All occupancies considered, no restrictions

DOCUMENT SUBMISSION

Empire Submit Documents