Coverages Offered

All Risk including/excluding flood and Earthquake/Earth Movement

Difference in Conditions / Standalone perils/Named perils (Flood, Earthquake, Earth Movement, Named Storm, Wind/Hail)

Excluded Classes

Packages w/GL coverage
Caribbean/USVI business
Mining risks
Jewelers block
Animal mortality
Energy & Petro-chemical (except on a named cat peril basis)
Growing or standing crops
Aviation
Standalone overhead transmission/distribution lines
Foreign exposure unless incidental

Target Classes

Comprehensive risk appetite with consideration of most true commercial property occupancies with the portfolio comprised of the following occupancies:
Real Estate
Municipalities
Schools (primary, higher education)
Retailers/Shopping Centers
Office Buildings
Condominiums
Apartments
Hospitality
Healthcare
Light & Heavy Manufacturing
Warehousing
Vacant Properties

Limited appetite for:
Food Processing
Dealers Open Lot Coverage
Recyclers
Molten Metal / Foundries
All other difficult classes of business not explicitly excluded below