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Product offering

• Admitted policy written on Hanover/Verlan A-15 paper
• Non-admitted capabilities also available
• Typical capacity can be $25 to $75 million per location
• $10,000 minimum premium
• $5,000 minimum deductible
• No coinsurance (agreed amount) needed

Key coverage features

• Coverage for “all risks�� of direct physical loss or damage
• Property valued at replacement cost
• Finished goods manufactured by the insured valued at selling price
• Debris removal included as part of the building and personal property limit without a separate debris removal sublimit
• Separate pollution limit for cleanup
• Coverage for foundations, slabs and underground piping
• Business income form includes extra expense and rental value
• Earthquake sprinkler leakage provided as an additional covered peril within the policy limits at no additional cost
• Optional equipment breakdown offering includes microelectronics coverage
• Broadening endorsement that extends 14 coverages and adds 18 coverages
• Sublimits available

Policy flexibility

We can offer policies for both single and multiple locations and leverage our flexible array of coverages to customize a solution to meet the unique needs of each client. We can also offer monoline opportunities and split policies for multi-location schedules.

Plus, we're able to carve out properties written on a middle market policy to help maintain optimum pricing.