2. Who is Zurich?
SUM's policies are underwritten by a member company of Zurich, an A.M.Best "A" XV rated company (December 2007). Zurich is an insurance-based financial services provider with a global network of subsidiaries and offices in North America and Europe as well as in Asia Pacific, Latin America and other markets. Founded in 1872, Zurich is headquartered in Zurich, Switzerland. It employs approximately 60,000 people serving customers in more than 170 countries.

3. What coverages does SUM provide? 
Sigma is a wind catastrophe property insurance specialist; we predominantly write habitational and commercial property insurance.

4. What is the Florida Habitational Property Program?
The Florida habitational property program is a high-valued property program for commercial residential accounts in Florida.  The classes of business we consider are condominiums, luxury apartments and office condominiums. To qualify the property must be more than 1/2 mile (2500 feet) from tidal waters and cannot be located on barrier islands. Typically we write properties of Joisted Masonry (JM) or better construction that were built in 1995 or newer. We will, however, consider frame construction in central and northeast Florida.

5. What is the Commercial Property Program?
The Commercial Property Program is our newest facility.  This nationwide program is designed to write all types of low to medium-hazard properties including adult living facilities, hotels/motels, medical offices, shopping centers, restaurants, warehouses and churches.  Outside of Florida, we can write condominiums, luxury apartments and office condominiums. We consider all construction classes and write older properties with appropriate updates. The property must be more than 1/2 mile (2500 feet) from tidal waters and cannot be located on barrier islands.  The program is primarily intended for AL, FL, GA, LA,  MD, NC, NJ, SC, and VA properties, but other locations may be eligible (call for details).

6. What are the benefits of doing business with SUM?
As the nationwide wind catastrophe property insurance specialists, Sigma offers the following advantages:

• Knowledge and authority - We are a Zurich Program Administrator and London Correspondents, not a wholesale broker, with over 100 years of combined underwriting experience
• Broad eligibility - Commercial to habitational properties more than 1/2 mile (2,500 feet) from tidal waters
• Broad limits - Up to $25,000,000*
• Comprehensive coverage, wide range of deductibles and nationwide eligibility**
• Issue quotes and binders generally in 48 hours or less - CAT modeling software and a state-of-the-art electronic policy issuance.
• Generous commission structure
• Underwritten by a member company of Zurich, an A.M. Best "A" XV rated carrier***
• Policies underwritten through our London contracts are A.M. Best "A" XV rated.***

7. Why is SUM different from other E & S operations?
Sigma Underwriting Managers are Program Administrators for Zurich and London correspondents, not an Excess & Surplus broker (E&S).  We only underwrite for our carrier partners, we do not broker accounts.  Working with Sigma is like working directly with the carrier.  We offer a competitive commission and a high level of service to our clients.

8. How long will it take to get a quote?
With a fully completed Acord application and supplemental application, we have capability of providing quotes in 48 hours or less.  Most clients provide applications well in advance of the effective dates so the account can be cleared through our reservation system.  Larger total insured values (TIV's) may require facultative reinsurance which requires more lead time.

9. What if I'm interested but need more information?
Contact Jeff Haupert or Ken Haupert at 866-877-4855 ext. 1737 Monday thru Friday 8:30 a.m. to 5:00 p.m. EST.

*Higher limits may be available; contact us for details

**Some limitations may apply

***A.M.Best December 2007