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Commercial Sector Insurance Brokers
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Commercial Sector Insurance Brokers
Contact Us
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Monoline Wind & Earthquake Insurance

Monoline Wind & Earthquake Insurance
Through Commercial Sector Insurance Brokers
 

Specialized Solutions for Wind and Earthquake Risks

Commercial Sector Insurance Brokers offers a dedicated Monoline Wind & Earthquake Insurance program designed to help retail agents and brokers secure coverage for clients in high-risk zones. We understand that many standard carriers exclude wind or earthquake perils, especially in coastal and seismic-prone areas. That’s where our expertise and market access come in.

Ideal Accounts and Target Risks

This program is well-suited for both commercial and residential properties, particularly those:
  • Located on or near coastal beaches
  • In low-lying flood-prone zones
  • In earthquake-prone regions, especially in Western and Southern states
Examples of target properties include beachfront hotels, apartment complexes in seismic zones, and retail centers exposed to high winds. If you have a client with a beachfront condo association in Florida or a commercial warehouse in California needing standalone earthquake coverage, we can help you find a market.

Coverage Highlights and Advantages

  • Monoline wind or earthquake policies available—tailor coverage to specific exposures
  • Solutions for risks that are excluded by standard property markets
  • Access to 8 specialized carriers to meet diverse underwriting criteria
  • Support from an experienced wholesale brokerage team that understands CAT risks

Underwriting Notes and Minimum Premium

  • Minimum premium starts at $10,000
  • Submission requirements may include property location details, construction type, loss history, and elevation data
  • Some admitted options available depending on the state

Territory and Availability

Coverage is available in most states, including high-exposure markets such as FL, CA, TX, LA, and SC. Our program is offered in over 40 states, including both coastal and inland regions: AL, AK, AZ, AR, CA, CO, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WV, WI, WY.

Why Work With Commercial Sector Insurance Brokers?

Our team brings years of experience in working closely with retail agents to find solutions for hard-to-place property risks. We understand the unique challenges of wind and earthquake exposures and use our strong carrier relationships to build viable alternatives. Whether your client needs supplemental wind coverage in a coastal state or primary earthquake protection in a seismic zone, we can help you deliver the right solution. Please call today for more information about how we can support your clients’ needs.

Frequently Asked Questions

What types of accounts are a good fit for this program?

Commercial and residential properties in coastal or earthquake-prone areas, such as beachfront hotels, apartment complexes, and retail centers, are ideal for this program.

Can I submit accounts located in multiple states?

Yes, the program is available in over 40 states, making it suitable for regional and multi-state property portfolios.

Is this program available on an admitted basis?

Some admitted options are available depending on the state and risk profile. Many placements will be through non-admitted carriers.

What is the minimum premium for this program?

The minimum premium starts at $10,000, though pricing may vary based on the risk characteristics and location.

What information is required to submit an account?

Typical submissions include property details, construction type, location, loss history, and elevation or proximity to coastlines or fault lines.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Wholesale Broker
  • Admitted:
    Some Available States
  • Carriers:
  • Carrier Ratings:
    AM Best A or Better
  • Commission:
    10 %
  • Min Premium:
    $10,000

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CONTACT INFORMATION

LOCATION

600 Corporate Parkway, Suite 250
Birmingham, AL 35242
205-332-8117
CA License # 0H64722
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Commercial Sector Insurance Brokers has other insurance programs like Builder's Risk Insurance.