Search CompleteMarkets

...quake and Difference in Conditions (DIC) coverage through Wholesale Connection Insurance Services (WCIS). As a dedicated wholesale broker, WCIS provides ag...ory, but WCIS can place earthquake and DIC coverage in select other states. De...

... tailored Difference in Conditions (DIC) Insurance program designed for agents...es of accounts are a good fit for this DIC program?Accounts with large propert...

...erage for Difference in Conditions (DIC) including Earthquake (EQ), Flood, and... (EQSL) can be included as part of the DIC coverage options offered through th...

DIC-Earthquake — Continental Risk /Contine...es of accounts are a good fit for this DIC-Earthquake program?Commercial prope...

USG Insurance Services, Inc. is a national wholesaler and managing general agent (MGA) with 18 offices across the country and the ability to write in all 50 states. Built from the ground up by some of the top executives in insurance, USG continues to expand operations nationwide while providing innovative solutions for the risk management industry. The USG team consists of experts divided not by territory, account size, or coverage who can help meet all commercial insurance account needs. We are problem solvers for all commercial lines coverages and specialize in hard-to-place risks, providing our agents with focused expertise and solutions. In 2016, USG is celebrating 15 years in business and continues to outpace industry growth metrics with a state-of-the-art Service Center, Marketing Department, and IT Department. We have also branched out into several specialty divisions, including AAU: Allied American Underwriters, Brokers Financial Services, BFS Inspections, Into Innovations, and Aureate. Our forward-thinking technology continues to evolve through our proprietary system, I3x, that expedites quote process and policy service; and through the launch of a new online and phone quoting system, INS LINK, that will streamline small transactional accounts and bring in additional opportunities nationally. USG's corporate office is located in Tampa, Florida; and our flagship office is located in Canonsburg, Pennsylvania. Flood Wind Earthquake Subsidence

...ders risk Motor truck cargo DIC — Florida wind Inland marine ...complex accounts. Are Florida wind and DIC placements available?Yes — IPMG has DIC options for Florida wind exposures ...

Flood Coverage Insurance Program from NAPCO LLC NAPCO LLC serves as a trusted, independent wholesale brokerage resource for insurance agents and brokers who need to place complex property risks—especially those involving significant natural catastrophe exposures. Our Flood Coverage Insurance program is designed specifically to address challenging flood exposures that many standard markets are unwilling to entertain. We specialize in placing flood coverage for properties in high-hazard zones, including Flood Zones A and V, where exposures are more severe and coverage is often cost-prohibitive. Our expertise helps brokers navigate these tough placements by structuring programs that complement National Flood Insurance Program (NFIP) coverage and fill potential gaps in protection. Ideal Accounts and Appetite Our flood program is best suited for commercial property risks with complicated flood exposures or locations in high-risk flood zones. We commonly assist with: Coastal commercial buildings with Flood Zone A/V designations Large real estate portfolios with mixed flood zone exposures Properties with prior flood loss history or challenging construction Industrial or manufacturing facilities located near water bodies You might have a client with a commercial property in a coastal region that has limited NFIP coverage or one seeking higher flood limits than NFIP provides. NAPCO can help you access the markets needed to fill these gaps with creative, layered flood solutions. Coverage Highlights and Advantages We provide access to global insurance markets, including major carriers, specialty insurers, and reinsurance providers in the excess and surplus lines market. This allows us to secure flood capacity when others cannot. Key advantages include: Layered program structures to obtain significant limits of liability Options for primary and excess flood coverage Solutions that dovetail with existing NFIP or private policies Underwriting flexibility for complex property risks Underwriting Notes and Minimum Premiums Our flood placements are generally structured through E&S markets and require a minimum premium of $25,000. We work closely with agents to understand each unique risk and develop sustainable, rate-sensitive solutions that meet client needs. Territories and Availability NAPCO’s Flood Coverage Insurance program is available to agents and brokers in all 50 states and Washington, DC, including flood-prone regions such as Florida, Louisiana, Texas, and coastal California. Our broad geographic reach ensures we can support your clients wherever they face flood risk. Why Work With NAPCO LLC? As an excess and surplus lines broker with a focus on natural catastrophe risks, NAPCO brings deep expertise and market access to every placement. We act as an extension of your marketing team, helping you find flood coverage solutions where others fall short. With a focus on layered structures, competitive capacity, and prompt service, we help you deliver value to your clients—especially when they need it most. Contact us for more information on our Flood Coverage insurance program Frequently Asked Questions What types of accounts are a good fit for this flood program?We specialize in commercial properties in high-risk flood zones, including coastal locations, industrial facilities, and large property schedules with challenging construction or occupancy. Can this program provide excess coverage over NFIP policies?Yes. Our program is designed to complement NFIP coverage and can provide excess limits or fill gaps where NFIP coverage is insufficient. What is the minimum premium for flood coverage through NAPCO?The minimum premium for our flood coverage placements is typically $25,000. Which states is this program available in?This flood program is available in all 50 states and Washington, DC. What markets or carriers does NAPCO use for flood placements?We access a variety of major and specialty carriers, including excess and surplus lines markets and global reinsurance providers. Need help placing an account? Connect with a market specialist.

... Perils / Difference in Conditions (DIC): Earthquake and flood coverage a...overage: Available on All Risk or DIC basis Standalone or part of a l...

Earthquake Coverage Insurance from NAPCO LLC NAPCO LLC offers insurance agents and brokers access to global markets for placing complex property risks, including those with significant natural catastrophe exposures. Our Earthquake Coverage Insurance program is designed to help you secure capacity for accounts with high-value assets in earthquake-prone regions, where standard markets often fall short. We specialize in difficult placements and provide a single-source, independent wholesale solution. Earthquake coverage is one of the most challenging components of property insurance, especially in high-risk zones such as California, the New Madrid Seismic Zone, the Pacific Northwest, and the Great Basin. Our program gives you access to excess and surplus lines markets and top-tier reinsurance providers to help protect your clients from catastrophic losses. Ideal Accounts and Appetite This program is ideal for clients with high-value commercial properties, portfolios with structures built prior to modern seismic codes, or operations in high-exposure seismic zones. We are particularly competitive with: Real estate investment portfolios Hospitality and resort properties Retail centers and mixed-use developments Industrial and warehousing facilities Public entities and educational institutions You might have a client with a large commercial real estate holding in Southern California or a manufacturing facility in the Pacific Northwest—both are strong candidates for this program. Coverage Highlights and Advantages NAPCO structures earthquake coverage using a layered approach to help achieve higher limits and better pricing for complex risks. Key advantages include: Access to global markets, including major and specialty carriers Flexible program structures tailored for multi-location or high-value properties Solutions for properties with challenging construction types or high replacement costs Options for both primary and excess layers Underwriting Notes and Minimum Premiums We focus on sustainable, rate-sensitive placements that align with market conditions. The minimum premium for our Earthquake Coverage Insurance program is $25,000. Submissions should include detailed property information, including construction type, year built, retrofitting status, and valuation data to expedite underwriting. Territories and Availability We offer this program to agents and brokers across the United States, including all 50 states and Washington, DC. Whether your client is located in California, New York, Missouri, or elsewhere, we can help you craft a solution that fits their seismic risk profile. Why Work With NAPCO LLC? As an excess and surplus lines broker with deep expertise in catastrophe-exposed property placements, NAPCO brings unmatched value to your most difficult risks. Our team works independently to secure the best available terms from a wide network of carriers and reinsurers. We understand the urgency and complexity of earthquake risk and deliver coverage options that are structured, competitive, and sustainable. Contact us for more information on our Earthquake Coverage Insurance program Frequently Asked Questions What types of accounts are a good fit for this Earthquake Coverage Insurance program?Accounts with high-value commercial properties in seismic zones—such as real estate portfolios, hospitality venues, schools, and large retail properties—are ideal candidates. Is this program available nationwide?Yes, the program is available in all 50 states and Washington, DC, including high-risk areas like California, the Pacific Northwest, and the New Madrid Seismic Zone. What is the minimum premium for coverage?The minimum premium for earthquake coverage through this program is $25,000, though actual pricing depends on risk characteristics and coverage structure. Do you offer layered coverage structures?Yes, we structure layered property programs to help achieve higher limits and better pricing, especially for complex or large-value accounts. What information is needed for underwriting?Underwriting requires detailed property data, including construction type, year built, location, occupancy, retrofitting status, and replacement cost values. Need help placing an account? Connect with a market specialist.