Wind/Hail Coverage Insurance Program from Ashley General Agency
Ashley General Agency offers a specialized Wind/Hail Coverage Insurance program designed to help agents and brokers place property risks in Texas that are exposed to wind and hail perils. With access to top-tier carriers including ICAT, Guide One, Core Programs, and Lloyd’s, Ashley General Agency provides a non-admitted market solution that helps you serve clients with properties in Tier One, Tier Two, and statewide locations.
Ideal Accounts and Target Risks
This program is a strong fit for a wide range of commercial and residential property owners seeking wind-only coverage. Preferred construction types include:
- Joisted Masonry
- Masonry Non-Combustible
- Modified Fire Resistive
- Fire Resistive
Frame and Non-Combustible construction types may also be eligible, especially when involving newer construction or occupancies deemed acceptable by underwriting.
Example accounts that may be a good fit include coastal retail properties, professional office buildings, and newly constructed apartment complexes located in wind-exposed areas.
Coverage Highlights and Advantages
- Wind-only property coverage tailored for high-risk zones
- Limits up to $5,000,000 available for most ISO construction classes
- Optional coverages include Business Income and Ordinance or Law coverage for select classes
- Flexible underwriting that accommodates both commercial and select residential risks
Underwriting Notes and Minimum Premium
This is a non-admitted program available exclusively in Texas. A minimum premium of $500 applies, with final pricing based on specific risk characteristics, construction type, location, and occupancy.
The program is underwritten with a focus on newer construction, well-maintained properties, and appropriate wind mitigation features where applicable.
Territories and Availability
Coverage is available throughout Texas, including Tier One and Tier Two coastal counties. The program is ideal for insureds with properties in wind-prone areas who have difficulty securing adequate coverage through traditional admitted markets.
Why Work With Ashley General Agency
As a Managing General Agency with strong carrier relationships and underwriting experience in wind-only placements, Ashley General Agency delivers responsive service and flexible solutions. Whether you’re looking to place a single coastal building or a portfolio of properties with wind exposure, our team can help you find the right fit for your client’s needs.