Zurich Property Programs


	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. EFIS & HTB construction are NOT eligible for this program. Click here for information on "Effective date of construction" or "GUT Renovation" definitions. Comprehensive coverages:* Real and personal property, $25,000,000* limits, Higher limits may be available Business interruption / Loss of rents Extra expense Building ordinance or law Outside Signs Multiple wind deductible options $10,000 minimum premium Eligible Risks:* Condominiums Luxury apartments Office condominiums Qualifications: 1995 or newer construction, older construction may be considered with our Commercial Property Program (see below) All construction classes (No EFIS) Must be more than 1/2 mile (2,500 feet) from tidal waters No barrier islands Territory-Florida only Frame may be considered in Central and Northern Florida but must be 2 miles or greater from tidal waters. Market Recap Page I want to become a Sigma agent Download Zurich Financial Fact Sheet Submission requirements needed to reserve your account. Commercial (Multi-Class) Property Program This program will now consider habitational condominiums in central and northern Florida dated 1980-1994. Roofs will need to have been REPLACED during the past 10 years. 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). EFIS & HTB construction are NOT eligible for this program. Comprehensive coverages: Real and personal property, $25,000,000* limits, Higher limits may be available Business interruption / Loss of rents Extra expense Outside signs $7,500 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 Model homes 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. Click here for information on prohibited risks. Qualifications:* 1979 or newer construction All construction classes (No EFIS) Must be more than 1/2 mile (2,500 feet) from tidal waters No barrier islands Nationwide coverage (limited in CA & TX) Market Recap Page Please contact John Traver 954.893.1735 or Jeff Haupert 954.893.1720 for details Tell a friend about this page.

Sigma Underwriting Managers^SM. All rights reserved. Certain coverages may not be available in all states. Coverage will be written on a non-admitted basis only through licensed surplus lines brokers, The description here is a summary only, it does not include all terms, conditions and exclusions of the policies and coverages described. PRIVACY STATEMENT

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Commercial (Multi-Class) Property Program