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    We offer primary surplus lines capacity for:

    • Distressed or hard-to-place property risks, e.g., unprotected, high hazard or a property with older construction
    • Risks with catastrophe exposures, e.g., risks needing windstorm or earthquake coverage
    • Unique risks not considered by admitted markets, e.g., lack of historical, underwriting or pricing data

    Product features

    • All risk including (or excluding) flood and earthquake
    • Difference in conditions including flood and earthquake
    • Single peril earthquake coverage available
    • Equipment Breakdown available

    Target market

    Small to mid-sized commercial entities including but not limited to*:

    • Institutional
    • Manufacturing
    • Retailers/shopping centres
    • Hotels/motels
    • Restaurants
    • Office buildings
    • Condominiums and apartments
    • Vacant properties

    * These classes are examples of risks we cover. To further qualify an account, please contact one of our branch locations.

    Capacity/CAT coverage

    • Up to US $25,000,000 maximum per risk
    • Up to US $10,000,000 for natural catastrophe perils
    • Full limits, first loss, quota share and excess policies
    • TIV < $500m (< $750m in CA). For larger risks our Lloyd's Open Markets are available

    US Excess and Surplus forms

    We use a variety of industry recognised forms and endorsements, and in response to customer demands can offer bespoke amendments to forms and endorsements to satisfy coverage needs.

    Application forms

    Property BI Worksheet


    Equipment Breakdown Guide
    Commercial Property E&S Reference Guide
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