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MAXIMUM
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MAXIMUM
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Contract Binding Insurance

Agents across the country can rely on MAXIMUM to deliver customized solutions for all their Contract Binding Insurance needs. With team-based underwriting, deep market access, and delegated binding authority, MAXIMUM is a wholesale broker you can use to place a wide range of property and casualty risks quickly and efficiently.

Comprehensive Solutions for Complex Risks

At MAXIMUM, we understand the practical challenges agents face when binding contracts. Our Contract Binding Insurance program supports both commercial and personal lines and is designed to be flexible enough to address unique exposures across many industries and asset types.

Target Classes of Business

Our Contract Binding Insurance program is well suited for a broad mix of insureds. We actively write business for: • Artisan and General Contractors
• Apartment Buildings and Condominiums
• Convenience Stores and Gas Stations
• Co-ops (Commercial and Residential)
• Homeowners and Townhouses
• Grocery Distributors and Meat/Fish/Poultry Facilities
• Microbreweries, Restaurants, Taverns, and Bars
• Hotels, Motels, and Mobile Home Parks
• Office Buildings and Shopping Centers
• Lessors Risk Only (LRO) Properties
• Tobacco Stores and Vacant Properties
• Warehouses and Storage Risks Whether you have a contractor who needs flexible liability terms or a retail property owner looking for tailored property coverage, our program is built to help you place the account efficiently.

Coverage Highlights

Our binding authority program includes a range of coverages designed to address common real-world exposures. Property Coverages: • Equipment Breakdown
• Building, BPP, Signs, and Business Income
• Wind Exposure (Tiers 1 & 2)
• Enhanced Property Endorsements
• Inland Marine (limits up to $250K)
 Property limits are available up to $5 million Total Insured Value (TIV) per location. Casualty Coverages: • Employee Benefits Liability
• Hired and Non-Owned Auto Liability
• Jobsite and Location-specific Aggregates
• Hostile Fire Pollution Buybacks (CG2155 and CG2165)
• In-house GL limits up to $2M/$4M
 Garage Keepers Legal Liability is available for valet operations. We write more than 700 eligible general liability classes and offer optional Liquor Liability, Excess/Umbrella, and manuscript endorsements or restrictions where appropriate. All forms follow ISO General Liability and Property 2007 editions.

Underwriting & Premium Guidelines

The program is structured to be flexible, but standard underwriting parameters apply. Minimum premium starts at $500, making the program accessible for small and mid-sized accounts. We evaluate each submission on its individual merits and work with you to craft terms that reflect the client’s operations and risk profile. Typical considerations include prior loss history, occupancy and construction details for property, and operations/exposure for liability classes. For complex or higher-limit placements, we can coordinate access to excess markets and manuscript wording when needed.

Territories and Admitted Status

MAXIMUM offers this binding program in all 50 states plus Washington, DC. We place business on both admitted and non-admitted paper depending on state rules and the nature of the risk.

Why Partner With MAXIMUM?

As a wholesale broker focused on binding authority placements, MAXIMUM provides:
  • Deep access to P&C carrier markets and specialty capacity
  • Dedicated underwriting teams with delegated binding authority
  • Customized solutions for both standard and harder-to-place risks
  • Responsive support during quoting and binding to help you move accounts faster
Example account scenarios you can place through this program:
  • A regional microbrewery seeking combined property, GL, and liquor liability with equipment breakdown — coverage up to local capacity and tailored endorsements for brewing operations.
  • An owner of a small apartment building (LRO) with moderate fire exposure needing property limits up to $3M TIV and in-house GL with location aggregates.
Whether you’re placing a vacant commercial building in Florida or a neighborhood restaurant in the Midwest, we’re positioned to help you secure the coverage your clients need—fast.

Frequently Asked Questions

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

This program is ideal for small to mid-sized commercial property and casualty risks, including contractors, LROs, apartment buildings, retail operations, and hospitality businesses.

What is the minimum premium for the Contract Binding Insurance program?

The minimum premium starts at $500, depending on the risk and coverages selected.

Are both property and casualty coverages available?

Yes. We offer comprehensive property and casualty coverages, including building, BPP, inland marine, general liability, excess, and more.

Can you accommodate risks in all 50 states?

Yes. This program is available in all 50 states and Washington, DC. We have access to both admitted and non-admitted markets based on state requirements and the type of risk.

Do you offer coverage for vacant properties?

Yes. We can provide solutions for vacant exposures, including vacant buildings and land, subject to underwriting review.

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

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Wholesale Broker
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    -
  • Commission:
    -
  • Min Premium:
    $500

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CONTACT INFORMATION

LOCATION

3501 E Frontage Road, Suite 180
Tampa, FL 33607
813-999-4977
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APPLICATIONS

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MAXIMUM has other insurance programs like Annual Host Liquor Liability.