Comprehensive Property Coverage Solutions from MAXIMUM
MAXIMUM provides a flexible, market-driven Property program for agents and brokers placing standard and hard-to-place commercial property risks. Through access to more than 40 competitive E&S and standard markets and over $95MM in total property premiums placed, MAXIMUM delivers layered capacity and creative policy options for high-value, complex and CAT-exposed accounts.
Ideal Accounts and Appetite
This program fits accounts that need specialized underwriting, broad capacity, or non-standard forms. Typical classes include:
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 groups — including single-location operations
- Capacity up to and exceeding $250MM for CAT-exposed portfolios
Coverage Highlights and Advantages
MAXIMUM’s Property program is designed to handle high-value and CAT-exposed risks. Key options include:
CAT Perils / Difference in Conditions (DIC)
- Earthquake and flood coverage available nationwide
- Targeted CAT capacity for high-exposure areas such as California, the New Madrid zone, and the Western U.S.
- Over $250MM of combined earthquake capacity available within PML structures
- DIC forms available for apartments, offices, studios, and manufacturing facilities
- Flood provided on DIC forms in Zones A/V, excess of NFIP
Coastal Windstorm Coverage
- Available on All-Risk or DIC basis
- Offered standalone or as part of a larger schedule
- Deductible buy-down options
- Suitable for apartments, condos, hotels, and industrial buildings
Underwriting Notes and Market Access
MAXIMUM operates exclusively through retail agents and brokers and places this program on a non-admitted basis to preserve flexibility in forms and capacity. You gain strategic access to 40+ top-tier carriers across E&S and standard markets, enabling layered placements and tailored terms for complex risks. Minimum premiums vary by risk size, location, and exposures; MAXIMUM focuses on accounts that benefit from customized underwriting and multi-carrier capacity.
Territories and Availability
The 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 portfolio in the Southeast, MAXIMUM can help secure appropriate markets and capacity.
Why Work With MAXIMUM?
As a wholesale broker with deep property expertise, MAXIMUM offers responsive underwriting, broad market access, and practical placement strategies for tough risks. The program is built for agents who need solutions for unusual classes, high PMLs, vacant or older buildings, and multi-location schedules.
Example scenarios where MAXIMUM is a good fit:
- You have a client with a large apartment schedule that includes vacant units and buildings without full sprinkler protection — MAXIMUM can coordinate layered capacity and DIC options to address coverage gaps.
- You’re placing a food processing plant or metal fabrication shop with elevated PML exposure — MAXIMUM can source specialized terms and earthquake/flood capacity to complete a placement.
To place business, connect with MAXIMUM’s market specialists and leverage their carrier relationships and underwriting experience to find solutions for complex property needs.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Large, complex, or hard-to-place property risks — for example, manufacturing facilities, apartment schedules, municipal portfolios, and buildings in CAT zones.
Is coverage available for properties in high-risk CAT zones?
Yes. MAXIMUM offers earthquake, flood, and windstorm coverage, including targeted CAT capacity for areas such as California and the New Madrid zone.
Can you write vacant or unprotected buildings?
Yes. The program has appetite for vacant properties and older, unprotected construction, particularly when the account needs layered capacity or DIC solutions.
Are these policies written on an admitted basis?
No. Placements are non-admitted to provide greater flexibility in forms, underwriting, and layered capacity strategies.
Which states is this program available in?
This property program is available nationwide — all 50 states — including high-hazard CAT zones and major urban centers.
Need help placing an account? Connect with a market specialist.