Wind Deductible Buy Back Insurance from Commercial Sector Insurance Brokers
Coastal properties are often subject to high windstorm deductibles, leaving both commercial and residential property owners exposed to significant out-of-pocket costs when a wind-related event occurs. Commercial Sector Insurance Brokers offers a specialized Wind Deductible Buy Back Insurance program designed to help reduce this financial burden for your insureds.
This Excess & Surplus Lines solution is available in key coastal and wind-prone states and is well-suited for both individual homeowners and commercial property owners. Whether your client is managing a large construction project or owns a coastal business property, this program provides an effective way to mitigate windstorm deductible exposure.
Ideal Accounts and Appetite
Our Wind Deductible Buy Back Insurance program is ideal for:
- Commercial property owners in coastal regions
- Homeowners with high-value coastal properties
- Construction projects located in wind-prone areas
- Hospitality, retail, multifamily, and industrial properties
You might have a client who owns a hotel along the Gulf Coast or a developer working on a residential build near the Atlantic shoreline—both are strong candidates for this coverage.
Coverage Highlights and Advantages
- Reduces or eliminates the primary windstorm deductible
- Flexible terms, including policies that extend beyond 12 months
- Supports ongoing construction projects and completed property risks
- Customized options based on location, property type, and exposure
This coverage is especially helpful in areas where windstorm deductibles are calculated as a percentage of the insured value, which can result in substantial financial risk during a loss event.
Underwriting Notes and Minimum Premiums
All business is placed on a non-admitted basis through various E&S carriers. Minimum premiums start at $2,500. Submissions should include detailed property information and current wind deductible terms to determine eligibility and pricing.
Territories and Availability
This program is currently available in the following states: AL, AR, FL, GA, LA, MD, MA, MS, NJ, NY, NC, OK, OR, SC, TX, VA, and WA. Coverage is focused on areas with elevated windstorm risk, particularly along the Atlantic and Gulf coasts.
Why Work With Commercial Sector Insurance Brokers?
Commercial Sector Insurance Brokers brings deep expertise in coastal property exposures and hard-to-place risks. As an Excess & Surplus Lines Broker, we work with a range of markets to craft creative and effective solutions tailored to your clients’ needs. Our property team understands the challenges that come with windstorm deductibles and is ready to help you place business quickly and efficiently.
Please call today for more information.