Search CompleteMarkets

M.J. Hall & Company now offers DIC, Earthquake, and Flood Insurance! Ove...tates is this program available in?The DIC, Earthquake, and Flood Insurance program is currently ava...

...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...

Flood Coverage Insurance Program from NAPCO...arkets or carriers does NAPCO use for flood placements?We access a variety of ...

...enovation projects with high wind, flood, or seismic exposure. Frame or ligh...schedule, project location (including flood zone or seismic exposure), values ...

... Perils / Difference in Conditions (DIC) Earthquake and flood coverage av... the account needs layered capacity or DIC solutions. Are these policies writt...

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

... Difference in Conditions (DIC) options including per-unit deductible...ntal units, address-level details for flood review, photos of buildings/amenit...

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.

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 Any Capacity - Large Schedules Primary & Excess Layers HPR/Non HPR Multi State Schedules Vacant: Commercial & Residential Coastal Locations