Blue River Underwriters offers a robust nationwide Specialty Property Insurance program tailored for a wide range of industries in the Excess & Surplus Lines market. Designed with flexibility in mind, this program features primary, buffer, and excess layer solutions that help agents and brokers secure coverage for complex and non-standard property risks.
Ideal Accounts and Appetite
This program is built for commercial properties that often fall outside of standard markets. Blue River Underwriters specializes in accounts with unique exposures or higher risk profiles. Preferred classes include:
- Churches
- Assisted Living Facilities
- Vacant Properties
- Lessors Risk
- Hotels / Motels
- Shopping Centers and Strip Malls
- Medical and Professional Offices
- Retail Stores and Restaurants
- Light Industrial and Warehouse Operations
- Distributors and Catering Businesses
- Commercial Condominiums
Whether you're placing a vacant strip mall in a coastal state or an older church in a seismic zone, this program offers solutions that standard carriers often can’t accommodate.
Coverage Highlights and Advantages
The program features broad special form property coverage, including options for flood and earthquake protection. Backed by an A.M. Best A+ XV rated carrier, the offering includes:
- Primary limits up to $15,000,000
- Excess limits up to $25,000,000
- Flood and Earthquake coverage (non-critical limits up to $2,500,000)
- Minimum Flood & Quake deductible of $25,000
- Minimum AOP deductible of $5,000
- No Total Insured Value (TIV) restrictions
Coverage is available for challenging locations and occupancies, including those with prior loss history or non-admitted placement needs.
Underwriting Notes and Minimum Premiums
This solutions-oriented program is structured to support agents with the flexibility to layer coverage where needed. Minimum premiums typically start at $10,000, and underwriting focuses on delivering fast, competitive options for qualified risks. Submissions should include full property details, protection class, loss history, and occupancy information.
Territories and Availability
Blue River Underwriters offers this program in most states, including CA, TX, FL, NY, IL, and others, making it a strong choice for agents with multistate portfolios. The product is generally available on a non-admitted basis, providing added flexibility for complex or distressed risks.
Why Work With Blue River Underwriters?
Blue River Underwriters brings deep expertise in E&S property placement. Their collaborative underwriting approach and carrier relationships allow agents to win business others can't. With the ability to offer comprehensive solutions across primary and excess layers, Blue River is a valuable partner for agents seeking creative property placements across diverse commercial sectors.
Whether you're working on a single-location retail shop or a multi-building warehouse operation, Blue River has the tools to get it done right.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for non-standard commercial property risks such as churches, assisted living facilities, vacant properties, retail centers, and light industrial buildings.
Is flood and earthquake coverage available through this program?
Yes, special form coverage includes flood and earthquake, with specific limits available for non-critical zones.
What is the minimum premium for this program?
The minimum premium typically starts at $10,000, depending on the risk profile and coverage structure.
Can this program handle layered placements?
Yes, Blue River Underwriters can structure primary, buffer, and excess layers to meet complex coverage needs.
In which states is this program available?
The program is available in most states, including CA, TX, FL, NY, and many others across the U.S.
Need help placing an account? Connect with a market specialist.