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E & S Commercial Property Program

$75,000,000 IN-HOUSE LIMITS

Higher limits available with company referral.

Underwriting Eligibility

  • Most states (limited in TX & CA)
  • Most construction classes, (decorative EFIS permitted <10%) No Frame in Miami Dade, Palm Beach, Broward, Collier, and Lee counties
  • Older Construction if fully updated (1995 or newer in South Florida)
  • Barrier Islands – Fire Resistive 2009 and newer
  • Large multi-location schedules
  • $10,000 minimum premium
  • No NC Construction

Submission Requirements

  • Acord 125, 140, SOV and supplemental may be required
  • Minimum 3 year loss history statement

Preferred Risks

  • ALF’s/nursing homes
  • Apartments (excluding student housing)
  • Churches
  • Condos (residential/commercial)
  • Houses of worship
  • Hotels & motels
  • Lessor’s risks
  • Light industrial manufacturing
  • Medical offices
  • Office buildings
  • Restaurant & catering operations
  • Retail operations
  • Shopping centers or strip malls
  • Warehouse (low hazard occupancy)

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