I want to become a Sigma agent                     Lloyds Chain of Security

Submission requirements needed to reserve your account.

Maximum limit per location $6,000,000 including wind or $10,000,000 excluding wind

This property is available in all states except Kentucky and Illinoins. This facility 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.

We consider JM or better construction classes when written including wind and can offer coverage for frame construction if written excluding wind. Older properties with appropriate updates during the past 15 years. The property must be more than 1 mile or greater from tidal waters and cannot be located on barrier islands.  EFIS and HTB construction are NOT eligible for this program.    

Wind and Hail deductible options as low as 1%  

Other coverages that can be included are:

• Crime
• Signs
• Glass
• Ordinance or law
• Food spoilage
• Restaurant coveage enhancement endorsements
• Inland marine
• Business income

Other lines of business*:

• Homeowners Insurance HO3 only, "A15" rated paper. (Non-Admitted)
• Excess property including wind
• Excess wind
• Excess flood
• Inland marine
• Fine arts

*subject to $5,000 minimum premium

Preferred Risks (but not limited to):

• ALF's
• Churches
• Condominiums (1980*-1994 when located in other than Tri-county South Florida) 
• Distributors
• Hotels/Motels
• Light industrial manufacturing
• Luxury apartments
• Medical offices
• Nursing homes
• Office buildings
• Office condominiums
• Retail operations
• Strip malls & Shopping centers
• Rental dwellings
• Restaurants & Catering operations
• Warehouse/Commercial condos

*Click here for information on "Effective date of construction" or "GUT Renovation" definitions.