Property, Catastrophe Exposed Coverage from Continental Risk / Continental Marine Insurance Services
Continental Risk / Continental Marine Insurance Services offers a focused solution for agents placing property in catastrophe-prone areas. Our Property, Catastrophe Exposed program helps you place difficult-to-insure risks in high-hazard zones—coastal and beachfront locations and other CAT-exposed territories across the U.S.
Ideal Accounts and Appetite
This program fits residential and commercial properties vulnerable to natural catastrophes—hurricanes, windstorms, hail and related perils. We consider a broad range of property types and construction classes. Typical fits include:
- Properties in beachfront or coastal zones (subject to aggregate availability)
- Habitational and light commercial structures such as small apartment buildings, small retail, and mixed-use properties
- Newer construction or properties with updated roofing, electrical, and mechanical systems
We generally do not accept properties with older metal construction when windstorm or hail coverage is required.
Coverage Highlights and Advantages
- Limits up to $2,500,000 available for most risks
- Beachfront properties limited to $1,000,000 total insured value
- Placement available across all U.S. states and territories, including high-risk coastal regions
- Flexible underwriting for a variety of construction types and occupancies
- Access to multiple markets—admitted and non-admitted—based on the best fit for the risk
This program is useful when a client's property falls outside the appetite of standard carriers because of location or construction. For example, you might have a client who owns a small apartment complex inside a hurricane-prone ZIP code or a retail building just blocks from the coast; this program offers a practical placement path.
Underwriting Notes and Submission Requirements
Underwriting is handled on a case-by-case basis with emphasis on location, construction, and requested perils. Some accounts may qualify for admitted markets depending on state and risk profile.
- Minimum premiums vary by risk
- All submissions must include complete ACORD applications
- Please send submissions to: [email protected]
Territories and Availability
We place business in all 50 states plus Washington, D.C., with carrier access in major CAT regions such as Florida, Texas, California, Louisiana, South Carolina and others. Aggregate capacity may be limited in peak CAT zones—early submission is recommended.
Why Work With Continental Risk / Continental Marine Insurance Services
As a general agency and excess & surplus lines broker, Continental Risk / Continental Marine Insurance Services specializes in hard-to-place property risks. Our underwriters understand CAT-exposed placements and leverage strong market relationships to help you secure competitive coverage. We provide responsive service throughout quoting and binding to make placements efficient for your agency.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Residential and commercial properties in catastrophe-prone areas, including beachfront and coastal locations. Common examples are small apartment complexes, retail buildings, and mixed-use properties.
Are beachfront properties eligible for coverage?
Yes. Beachfront properties are eligible but are limited to $1,000,000 in total insured value and are subject to aggregate availability.
What construction types are considered?
Most construction types are considered. Older metal construction is typically excluded when windstorm or hail coverage is required.
What is required to get a quote?
Submit completed ACORD applications to [email protected]. Additional underwriting information may be requested based on the specific risk.
Is this program admitted or non-admitted?
We have access to both admitted and non-admitted markets. Placement type depends on state and the individual risk characteristics.
Need help placing an account? Connect with a market specialist.