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...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...

...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...

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

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.

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.

...posures and lender requirements: DIC (Difference-in-Conditions) / Earthquak...

10-Second Quick Rater A Rated, XV, Admitted Carrier (AGCS Marine) No Age Restrictions No Size Restrictions Lower Earthquake Deductible to 5% Available in California Minimum Premium: $150 Eligible Properties: Single Family Residences, Duplexes, Triplexes, Fourplexes Flexible Coverage Terms to Match Existing Policy Expiration Excellent Pricing for Homes of Any Size 10% Commission for Agents Overview of the Program From Abacus Insurance Brokers, Inc. Abacus Insurance Brokers, Inc. offers an efficient and competitive Earthquake Deductible Buyback program designed specifically for residential properties in California. This online program allows agents and brokers to help their clients manage the high out-of-pocket expenses that can result from earthquake damage deductibles. With fast quoting, flexible terms, and no property size or age restrictions, Abacus makes it easy for agents to deliver value-added solutions in a high-risk market. Ideal Accounts and Appetite This program is ideal for homeowners or property investors who already carry an earthquake insurance policy but want to reduce their deductible exposure. Target properties include: Single Family Homes Duplexes, Triplexes, and Fourplexes There are no age or size restrictions, making this a great option for both newer homes and older, larger properties. You might have a client who owns a 1920s duplex in a high-risk earthquake zone or a newly constructed fourplex in suburban California—both would be eligible under this program. Coverage Highlights and Advantages Key features of the Earthquake Deductible Buyback program include: Admitted coverage through a financially strong carrier (AGCS Marine, A-rated XV) Buy back earthquake deductibles as low as 5% Flexible policy terms designed to align with the expiration of the underlying earthquake policy Online quick rater to generate quotes in just 10 seconds Excellent pricing structure for homes of any value or size Underwriting Notes and Minimum Premiums There are no underwriting restrictions based on the age or size of the property. The minimum premium starts at $150, offering a cost-effective solution for your clients looking to lower their financial exposure in the event of an earthquake claim. Properties must already be covered by an existing earthquake policy to be eligible for the deductible buyback. Territories and Availability This program is currently available exclusively in California—an area with significant exposure to seismic events and a high demand for deductible management solutions. If you write homeowner or rental property business in California, this program can be a valuable tool for enhancing your offerings. Why Work With Abacus Insurance Brokers, Inc.? Abacus Insurance Brokers, Inc. is a trusted program administrator with a strong track record of delivering niche insurance solutions through digital platforms. Their Earthquake Deductible Buyback program offers fast online quoting, competitive commissions, and a streamlined underwriting process. With Abacus, you can respond quickly to client needs and position yourself as a proactive advisor in the earthquake insurance space. View Program Flier Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for clients in California who already carry an earthquake policy and want to reduce their deductible exposure on residential properties such as single-family homes, duplexes, triplexes, and fourplexes. Is there a minimum premium requirement?Yes, the minimum premium for this program starts at $150. Are there restrictions on the age or size of the property?No, there are no age or size restrictions for eligible properties under this program. How quickly can I get a quote?You can generate a quote in as little as 10 seconds using the online quick rater tool provided by Abacus. Is the program available outside of California?Currently, this program is only available for properties located in California. Need help placing an account? Connect with a market specialist.

....J. Hall & Company, Inc. offers a dedicated Bar and Tavern Insurance program d...ault & Battery, Business Income, Medical Payments. Crime: Inside and Out...

NAPCO LLC — Builders Risk Coverage Insurance NAPCO provides agents and brokers with a single-source, independent marketing arm for difficult placements involving significant natural catastrophe exposures and complicated construction and occupancy profiles. As an experienced excess & surplus lines broker, NAPCO accesses major and specialty capacity to build layered, competitive builders risk programs that address high hazard locations and unique construction risks. Overview Builders risk coverage placed through NAPCO is intended for projects where standard markets are limited or where specialty underwriting is required — for example, frame construction in coastal wind-exposed areas or large, complex projects with multiple sublimits and transit exposures. Coverage can be arranged by either the project owner or the general contractor; NAPCO helps agents negotiate critical coverage provisions so clients receive a complete and competitive program. Ideal Accounts and Appetite New construction and renovation projects with high wind, flood, or seismic exposure. Frame or lightweight construction in coastal or hurricane-exposed territories. Large commercial, mixed-use, or multi-family developments that require layered limits. Projects needing transit, off-site storage, or builder’s risk for interior work and materials. Coverage Highlights and Advantages NAPCO’s builders risk programs emphasize tailored wording and strategic placement of specialty perils. Typical coverage features agents can expect support with include: Windstorm and named-storm capacity from excess & surplus and specialty carriers. Layered program structures to achieve higher limits for large projects. Specific consideration for flood, earthquake, transit, off-site storage and interior water intrusion exposures. Placement solutions involving reinsurance markets when additional capacity is needed. Underwriting Notes and Minimum Premium Underwriters expect detailed exposures for catastrophe-prone projects and will review construction type, project location, protective measures, and contract wording. NAPCO typically places accounts with a minimum premium of $25,000; smaller accounts may be considered on a case-by-case basis where capacity stacking or alternate structures are available. Territories and Market Positioning Available in all listed states and territories where E&S placement is permitted: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. NAPCO can place business in admitted and non-admitted markets as appropriate to secure capacity and competitive terms. Why Work With NAPCO You get direct access to underwriting expertise focused on natural catastrophe exposures and difficult construction risks. NAPCO’s strengths include market access, layered program design, and negotiated policy forms that address common builders risk pitfalls (flood/quake exclusions, transit exposure, off-site materials). We work with you to present a clear submission and secure the right capacity for your clients. Example Scenarios You have a general contractor building a 120-unit wood-frame complex in a Gulf Coast county — NAPCO helps layer windstorm capacity and place flood and transit endorsements to protect materials en route and in off-site storage. You represent an owner renovating a high-value oceanfront hotel requiring earthquake and flood consideration — NAPCO assembles specialty carriers and a layered structure to meet contract and lender requirements. Contact us for more information on Builders Risk Coverage Insurance program Frequently Asked Questions What types of builders risk accounts are a good fit for NAPCO’s program?Projects with significant catastrophe exposure, frame or lightweight construction in coastal areas, large multi-phase developments, and accounts that need layered limits or specialty endorsements (flood, earthquake, transit, off-site storage). Can coverage be placed for both owners and general contractors?Yes. NAPCO can arrange builders risk for either the project owner or the general contractor and will help clarify who should be named insured and how contract wording affects coverage. What minimum premium should I expect when submitting?As a guideline, NAPCO typically works with accounts that meet a $25,000 minimum premium. Smaller submissions may be reviewed if the structure allows for stacking capacity or alternative placement strategies. Which states and market types are available through this program?The program is available across the listed states and territories and can be placed in admitted or excess & surplus markets where appropriate to secure capacity and terms. What submission information will underwriters want?Provide construction type and schedule, project location (including flood zone or seismic exposure), values and limits, contract wording, loss control measures, and details on transit or off-site storage of materials. Clear submissions help speed placement and improve terms. Need help placing an account? Connect with a market specialist.

... Difference in Conditions (DIC) options including per-unit deductible...A nonprofit park in Washington seeking DIC and employment practices coverage t...