Comprehensive Property Coverage Solutions from MAXIMUM
MAXIMUM offers a robust and diverse Property insurance program designed for agents and brokers seeking solutions for both standard and hard-to-place commercial property risks. Backed by access to more than 40 competitive E&S and standard markets and over $95MM in total property premiums, MAXIMUM delivers flexible and responsive placement options for a wide range of industries and property classes.
Ideal Accounts and Appetite
This program is best suited for agents placing complex or high-value property accounts, including:
All Risk – Unique Classes:
- Airports
- Large municipal schedules
- School boards
- Food processing facilities
- Water service districts
- Metalworking operations
Manufacturing Risks:
- Plastic injection molding
- Sheet metal fabrication
- Woodworking shops
- Paper and cardboard manufacturing
- Older, unprotected construction with high PML or non-sprinklered buildings
Large Real Estate and Apartment Schedules:
- Apartment complexes
- Office buildings
- Vacant commercial properties
Hospitality Risks:
- Restaurants and hotel chains, including single-location operations
- Up to $250MM+ in capacity, including CAT-exposed locations
Coverage Highlights and Advantages
MAXIMUM’s property solutions are built to accommodate high-value and CAT-exposed risks, with specialized options including:
CAT Perils / Difference in Conditions (DIC):
- Earthquake and flood coverage available nationwide
- Targeted CAT capacity in high-exposure areas like California, New Madrid, and the Western U.S.
- Over $250MM of combined earthquake capacity available in the PML
- DIC coverage for all types of real estate, including apartments, offices, studios, and manufacturing facilities
- Flood coverage available on DIC forms in Zones A/V, excess of NFIP
Coastal Windstorm Coverage:
- Available on All Risk or DIC basis
- Standalone or part of a larger schedule
- Deductible buy-down options
- Suitable for apartments, condos, hotels, and industrial buildings
Underwriting Notes and Market Access
MAXIMUM works exclusively through retail agents and brokers, providing strategic access to over 40 top-tier carriers in both the E&S and standard markets. The property program is placed on a non-admitted basis, allowing for flexible underwriting and creative solutions for high-risk or non-standard accounts.
Although minimum premiums may vary depending on risk characteristics and location, MAXIMUM focuses on accounts large enough to benefit from customized underwriting and layered capacity strategies.
Territories and Availability
This program is available to licensed agents and brokers in all 50 states, including high-hazard CAT zones and urban centers. Whether you’re placing a property schedule in California, a manufacturing risk in the Midwest, or a hospitality group in the Southeast, MAXIMUM can help you secure the right market.
Why Work With MAXIMUM?
As a wholesale broker with deep expertise in property risks, MAXIMUM brings unmatched access, responsiveness, and underwriting creativity to your placements. Whether you’re handling a tough-to-place metal fabrication building or a multi-location hotel group in a coastal region, MAXIMUM has the tools and carrier relationships to help you succeed.
You might have a client with a large apartment schedule that includes vacant units or buildings without full sprinkler protection—MAXIMUM can help with these types of risks. Or perhaps you’re working with a food processor with high PML exposure—this program is tailored to meet that challenge.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for large, complex, or hard-to-place property risks such as manufacturing facilities, apartment complexes, school boards, and buildings in CAT zones.
Is coverage available for properties in high-risk CAT zones?
Yes, MAXIMUM provides earthquake, flood, and windstorm coverage—including in high-hazard areas like California, the New Madrid zone, and coastal regions.
Can you write vacant or unprotected buildings?
Yes, MAXIMUM has appetite for vacant buildings and properties with older or unprotected construction, especially those with high PML exposures.
Are these policies written on an admitted basis?
No, all placements are non-admitted, allowing for greater flexibility in underwriting and policy customization.
Which states is this program available in?
This property program is available nationwide, including all 50 states.
Need help placing an account? Connect with a market specialist.