E & S Commercial Property Program

$75,000,000 IN-HOUSE LIMITS

Higher limits available with company referral.

Underwriting Eligibility

  • Florida and most East and Gulf coast states
  • Most construction classes
  • No Frame or JM in Miami Dade, Palm Beach, Broward, Collier, and Lee counties
    • Frame or JM may be considered on a limited basis in the rest of the state
  • No Frame in tier one and two counties in the following states: LA, MS, AL, and the Florida Panhandle
  • Buildings 30 years or newer with qualified roof replacement – call your underwriter for qualifying roof information
  • Florida 2002 and newer; Tri-County 2008 and newer
  • Coverage available on Primary, Excess, Loss Limit, and X-Wind basis
  • $25,000 minimum premium
  • No NC Construction
  • No Barrier Islands

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)
  • Houses of Worship
  • Condos (residential/commercial)
  • Hotels & motels
  • Lessor’s risks
  • Medical offices
  • Office buildings
  • Parking Garages
  • Restaurant & catering operations
  • Retail operations
  • Shopping centers
  • Strip malls
  • Warehouses (low hazard occupancies)

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