Habitational & Commercial Property Programs

This nationwide program is designed to write all types of low to medium-hazard properties including Condominiums (habitational and Offfice), Luxury Apartments, Adult living facilities, Hotels/motels, Medical offices, Shopping centers, Restaurants, Warehouses, and Churches.   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.

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

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
• $7,500 minimum premium for Commercial accounts
• $10,000 minimum premium for Habitational accounts

Qualifications:

• 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.1995 or newer construction for risks located in Tri-county South Florida, older construction may be considered in All construction classes (No EFIS)
• Must be more than 1/2 mile (2,500 feet) from tidal waters
• No barrier islands
• Frame may be considered in Central and Northern Florida but must be 2 miles or greater from tidal waters.

•  ALF's
• Churches
• Condominiums (1980*-1994 when located in other than Tri-county South Florida)
• Tri-county South Florida risks must be 1995 or newer construction
• 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

 I want to become a Sigma agent              Download Zurich Financial Fact Sheet

 Submission requirements needed to reserve your account.