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Lloyd’s Property Programs

3,500,000* Per Building Limit

Coverage Options

  • Real & Business Personal Property
  • Wind coverage options- Named Storm, CYHD and Wind & Hail
  • Agreed Value
  • Equipment Breakdown sublimit Coverage up to $10,000,000.
  • Extended Period of Indemnity
  • Business Interruption / Loss of Rents
  • Crime Coverage In/Out
  • Outdoor Signs
  • Ordinance or Law Coverage
  • All-in coverage form
  • Wind driven precipitation form
  • Sewer back-up coverage
  • Outdoor property
  • Food Spoilage
  • ACE (Additional Coverages Endorsement)
  • Fine Arts
  • Extra Expense
  • Quake sublimits up to $5,000,000.
  • Sinkhole coverage
  • Wind deductible options down to 1%

UW/Eligibility

  • Territory: Most States
  • Construction Types: All Construction Classes, except EIFS
  • Updates on wiring, plumbing and roofing to current codes if building is older that 30 years.
  • Minimum distance of 2,500 feet of the ocean, gulf, Intracoastal Waterway, seacoast or bay.

Preferred Risks (but not limited to):

  • ALF’s
  • Churches
  • Condominiums, including commercial condo’s
  • Distributors
  • Hotels/Motels
  • Light industrial manufacturing
  • Luxury apartments
  • Medical offices
  • Nursing homes
  • Office buildings
  • Office condominiums
  • Parking Garages (Stand alone buildings ok)
  • Retail operations
  • Strip malls & Shopping centers
  • Restaurants & Catering operations
  • Low Hazard Occupancy Warehouse/Commercial condos

Wind deductible buy-back insurance
Product highlights

  • Follow-form coverage
  • Occurrence or aggregated options
  • 25% Min. Earned
  • $5k Min Premium
  • No minimum premium if written ground-up with our carriers
  • Territories- most states • Builders risk exposures

Prohibited Risks

Lloyd’s Financial Data

Supplemental Applications

Indication Request Form

Become a Sigma Agent

*Limits exceeding $3,5000,000 may be quoted using a alternate carrier.