Ideal Accounts and Appetite
This program is designed for properties located in coastal and wind-prone areas, especially those that may have difficulty securing affordable coverage through standard markets. Target accounts include:
- Beachfront hotels and resorts
- Condominium associations and apartment complexes
- Retail strip malls and commercial buildings
- Light industrial and warehouse properties
- Vacation rental homes and secondary residences
We can consider both new construction and older buildings, provided they meet basic underwriting criteria.
Coverage Highlights and Advantages
Through our established carrier relationships, we can offer flexible solutions including:
- Primary and excess property coverage
- Wind-only policies where required
- Wind deductible buy back options
- Coverage for business interruption and extra expense
Every submission is reviewed by seasoned brokers who can help structure coverage that balances protection and affordability.
Underwriting Notes and Minimum Premiums
Minimum premium for this program starts at $5,000. We review each submission on a case-by-case basis, looking at factors such as location, construction type, occupancy, proximity to the coast, and wind mitigation features. Submissions with updated roofs, storm shutters, or building code compliance may receive more favorable terms.
Territories and Availability
We are actively writing coastal property insurance in the following states: AL, AK, CA, FL, GA, LA, MS, NH, NJ, NY, NC, OR, PA, SC, TX, VA, WA, and DC. Availability of admitted versus non-admitted options will depend on the specific risk location.
Why Work With Commercial Sector Insurance Brokers?
When you partner with Commercial Sector Insurance Brokers, you're working with a team that understands coastal property risks inside and out. Our long-standing carrier relationships and deep market knowledge allow us to find solutions where others may struggle. We work exclusively with retail agents and brokers, offering responsive service, hands-on guidance, and competitive placement strategies.
Please call today for more information.
Frequently Asked Questions
What types of accounts are a good fit for this coastal property program?
This program is ideal for commercial and residential properties located in coastal or wind-prone areas, such as hotels, condos, retail centers, and secondary vacation homes.
Can you provide wind-only coverage?
Yes, we can offer wind-only policies when required by the risk profile or geographic location.
Do you offer wind deductible buy backs?
Yes, we can structure wind deductible buy back options to help reduce your client’s financial exposure after a storm event.
What is the minimum premium for this program?
The minimum premium starts at $5,000, subject to underwriting and risk characteristics.
Which states is this program available in?
We offer coverage in AL, AK, CA, FL, GA, LA, MS, NH, NJ, NY, NC, OR, PA, SC, TX, VA, WA, and DC.
Need help placing an account? Connect with a market specialist.