Excel Insurance Services, Inc. offers tailored solutions for hard-to-place wind-exposed coastal properties through our New Jersey Coastal Property Insurance (2) program. Designed for both commercial and personal lines, this program is ideal for agents and brokers who need flexible, competitive options for clients in wind-prone areas.
Ideal Accounts and Target Risks
This program is built for properties located in coastal areas of New Jersey and surrounding states where standard markets often decline coverage due to wind exposure. We are particularly competitive in the following classes:
- Condominium Associations
- Apartment Buildings
- Hotels and Motels
- Boardwalk Retail Stores and Restaurants
- Vacant Properties
- Builder’s Risk
You might have a client with a small apartment complex near the Jersey Shore or a boardwalk restaurant that’s been declined due to high wind exposure—this program is built to accommodate those exact scenarios.
Coverage Highlights and Features
- Monoline Wind Coverage available
- Low or No Wind Deductibles
- Wind Deductible Buy-Back Options
- Package Policies including Equipment Breakdown
- Commercial and Personal Lines Solutions
Whether you need full property coverage or wind-only options to supplement existing policies, Excel Insurance Services provides flexible structures to meet your insureds' needs.
Underwriting Notes and Minimum Premiums
We write on a non-admitted basis with access to multiple E&S markets, allowing us to take on risk profiles that standard carriers won’t touch. Minimum premiums start at $500, making this program accessible for a wide range of account sizes. Submissions should include complete property details, including location, construction type, occupancy, and any mitigation features.
States and Availability
This program is available in the following states:
- New Jersey
- New York
- Pennsylvania
- Delaware
- South Carolina
We focus on coastal counties and wind-exposed zones where coverage options are limited or unavailable through admitted carriers.
Why Work With Excel Insurance Services?
As a Managing General Agency and E&S Broker, Excel Insurance Services brings deep expertise in coastal property risks. Our team understands the challenges agents face when placing wind-exposed properties and offers fast, knowledgeable service to help you close accounts. We work with a variety of carriers to find the right fit for each risk and provide creative solutions when others say no.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for coastal commercial and residential properties such as condo associations, apartment buildings, hotels, restaurants, and vacant properties that are difficult to insure due to wind exposure.
Can I get wind-only coverage through this program?
Yes, we offer monoline wind coverage as well as wind deductible buy-back options to complement existing property policies.
Is this program available for personal lines as well?
Yes, we offer both commercial and personal lines coverage within this program depending on the property type and location.
What is the minimum premium for this program?
The minimum premium starts at $500, depending on the risk characteristics and coverage selected.
Which states is this program available in?
This program is currently available in New Jersey, New York, Pennsylvania, Delaware, and South Carolina.
Need help placing an account? Connect with a market specialist.