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Property, Catastrophe Exposed Coverage from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a specialized solution for agents seeking coverage in catastrophe-prone areas. Our Property, Catastrophe Exposed program is designed to help you place difficult-to-insure property risks, including those in high-hazard zones such as coastal, beachfront, and other catastrophe-exposed territories across the U.S. Ideal Accounts and Appetite This program is an excellent fit for residential and commercial property risks located in areas vulnerable to natural catastrophes, including hurricanes, windstorms, and hail. We consider a wide range of property types and construction classes. Ideal accounts include: Properties in beachfront or coastal zones (subject to aggregate availability) Habitational and light commercial structures such as apartments, small retail, and mixed-use buildings Newer construction or properties with updated systems We do not typically accept properties with older metal construction when windstorm or hail coverage is sought. Coverage Highlights and Advantages Limits up to $2,500,000 available for most risks Beachfront properties limited to $1,000,000 in total insured value Coverage available in 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 risk characteristics This program is particularly helpful when you have clients whose properties fall outside the appetite of standard carriers due to geography or construction. For example, you might have a client who owns a small apartment complex within a hurricane-prone ZIP code or a retail building just blocks from the coast—this program can provide a viable insurance solution. Underwriting Notes and Submission Requirements Underwriting is handled on a case-by-case basis, with attention to location, construction, and desired perils. Some markets may be admitted depending on the risk characteristics and state. Minimum premiums vary by risk All submissions must be accompanied by complete Acord applications Please send submissions to: [email protected] Territories and Availability This program is available in all 50 states plus Washington, D.C. We have carrier access in catastrophe-prone regions such as Florida, Texas, California, Louisiana, South Carolina, and others. Aggregate availability may apply in peak CAT zones—early submission is recommended. Why Work With Continental Risk / Continental Marine Insurance Services As a trusted general agency and excess & surplus lines broker, Continental Risk / Continental Marine Insurance Services delivers solutions for hard-to-place property risks. We understand the complexities of CAT-exposed placements and leverage strong market relationships to help you secure competitive and reliable coverage for your clients. Our responsive team supports agents throughout the quoting and binding process, making it easier to serve clients with challenging property exposures. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best suited for residential and commercial properties in catastrophe-prone areas, including beachfront and coastal regions. Examples include small apartment complexes, retail buildings, and mixed-use properties. Are beachfront properties eligible for coverage?Yes, beachfront properties are eligible, but coverage is limited to $1,000,000 in total insured value and subject to aggregate availability. What construction types are considered?All construction types are considered, except older metal construction when windstorm or hail coverage is needed. What is required to get a quote?To receive a quote, submit completed Acord applications to [email protected]. Additional underwriting information may be requested based on the risk. Is this program admitted or non-admitted?Some markets are admitted depending on the risk and state. Others are non-admitted. We place business based on the best fit for your client’s needs. Need help placing an account? Connect with a market specialist.

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