Search CompleteMarkets

Recent changes in weather patterns have significantly impacted policyholders, leading to a rise in wind, hail, and named storm claims. This has placed an increased financial strain on insureds as deductibles have been raised. We are thrilled to introduce our Wind/Hail/Flood/Earthquake/Fire Deductible Buy Back program, in partnership with Lockton (London) and developed by the London 'Facilities and Binders Team' in collaboration with Aegis Syndicate at Lloyd's. Our solution addresses the financial challenges caused by increased claims, allowing insureds to 'buy down' their deductible percentage to a more manageable level. The Deductible Buy Back (DBB) policy offers: Protection from unexpected expenses: Reduces wind, hail, flood, earthquake, and named storm deductibles under an all-risk property insurance program. Compliance with lender requirements: Meets bank or lender mandates for reduced retention to satisfy financing agreements. Key Features of the DBB Policy: Covers windstorms, hurricanes, floods, and earthquakes (and Fire - New) in both coastal and inland/non-coastal areas prone to tornadoes and hail. Offers a maximum risk limit of up to $3 million. Available without minimum premium requirements. Requires a minimum retention of $5,000 per occurrence for policies with a TIV below $25 million, and $10,000 for policies with a TIV above $25 million. Applicable in all 50 states. Utilizes a follow-form structure that aligns with the overlying property policy. Accessible through our award-winning digital quote-and-bind platform. Broad coverage suitability, with proven success in condos, multi-family housing, hotels, offices, and retail spaces. Weather-Related Disasters at a Glance: 341: Number of billion-dollar disasters in the U.S. since 1980, with a total cost of $2.48 trillion. 5.3: Average number of billion-dollar disasters (severe storms, tropical cyclones, and flooding) per year since 1980. $57.8 billion: Average annual cost of these disasters since 1980. Benefits of Using Our Program: Instant access to bindable quotes and policies, saving valuable time. Customizable policy documents with white-label branding options. Sales and marketing resources to optimize business efforts. In order for us to quote we need: full address, loss history, total insured value, existing deductible amounts and buy down requirements underlying policy at bind

...s to multiple Lloyd’s of London syndicates, Insential provides flexible, modul...oring Access to multiple Lloyd’s syndicates via a knowledgeable general agen...

RISC's Home Select is a High-Value Homeowners Insurance solution tailored for homes and condos valued over $250,000. Developed for independent agents and brokers, this program offers flexible underwriting and broad eligibility across the United States, including areas that are traditionally difficult to insure. Overview of the Program From RISC Inc. RISC Inc. is a Managing General Agency (MGA) offering access to specialty personal lines markets. With Home Select, agents can place primary and vacation homes, even those in high-risk zones or with unique ownership structures. Coverage is available for properties under construction, vacant, corporately or estate-owned, and more. This program provides a much-needed market for high-value homeowners who face challenges obtaining coverage due to location or risk profile. Whether your client owns a coastal vacation home or a secondary residence in wildfire-prone regions, RISC delivers tailored protection options. Ideal Accounts and Appetite Home Select is ideal for clients who meet the following criteria: Homes and condos with dwelling values of $250,000 and up Total insured values up to $10,000,000 (higher limits available with referral) Liability coverage up to $1,000,000 Personal articles floater available up to $250,000 (with higher limits by referral) Target risks include: Primary and vacation residences Properties in high-risk areas such as: Coastal zones High wind regions Brush fire-prone areas Flood or rising water zones Earthquake-prone locations Protection Class 9 or 10 areas Homes under construction or vacant Corporately or estate-owned properties Coverage Highlights and Advantages Designed for hard-to-place high-value homes Flexible underwriting for specialty and high-risk exposures Access to respected carriers: Lonmar Global Risks & Sagicor Syndicate Customizable limits with referral options for higher values You might have a client with a luxury mountain home in a wildfire zone or a coastal condo used as a seasonal residence—RISC’s Home Select program can help you find coverage solutions for these scenarios. Underwriting Notes and Minimum Premiums Most markets are written on a non-admitted basis Minimum premium starts at $1,500 Referral required for higher limits or complex risks RISC works closely with agents to evaluate non-standard or high-net-worth exposures and deliver tailored solutions with responsive turnaround times. Territories and Availability The Home Select program is currently available in the following states: Arkansas (AR) Minnesota (MN) Montana (MT) Nebraska (NE) North Dakota (ND) Oklahoma (OK) Oregon (OR) South Dakota (SD) Texas (TX) Utah (UT) Wyoming (WY) Why Work With RISC Inc. on High-Value Homeowners? RISC Inc. brings specialized expertise in placing difficult personal lines risks. Their Home Select program gives agents access to quality markets and underwriters who understand the nuances of high-value residential properties. With a focus on flexibility, speed, and customized solutions, RISC makes it easier for brokers to serve high-net-worth clients in challenging territories. Contact RISC today to discuss your next High-Value Homeowners Insurance submission. Frequently Asked Questions What types of accounts are a good fit for this program?Homes or condos valued over $250,000, including those in high-risk areas or with unique ownership structures like trusts or corporations, are ideal candidates. Can this program insure vacation homes or secondary residences?Yes, the Home Select program covers both primary and vacation homes, even in coastal or wildfire-prone areas. What is the minimum premium for this program?The minimum premium starts at $1,500, subject to underwriting review and risk characteristics. Are higher limits available for property or personal articles coverage?Yes, higher limits are available with referral. Total insured values can go up to $10 million or more depending on the risk. Which carriers support this program?The program is backed by Lonmar Global Risks and Sagicor Syndicate, offering strong market support for unique personal lines risks. Need help placing an account? Connect with a market specialist.

Real Estate Agents and Brokers COVERAGE HIGHLIGHTS: Capitol Special Risks offers a comprehensive insurance program tailored for Real Estate Agents and Brokers. Whether your clients are independent agents, franchises, or brokerages, this program is designed to address the specific professional liability exposures in the real estate industry. With broad coverage options and value-added features, agents and brokers can offer confidence and protection to their insureds in a competitive and litigious marketplace. Coverage Highlights Include: • Broad definition of Professional Services • Duty to Defend • Soft Hammer Clause • Written consent of the Insured required for settlements • Mutual selection of defense counsel • Coverage extension for independent contractors • Liability protection for Spouses, Domestic Partners, Estates, and Legal Representatives • Punitive Damages coverage (where insurable by law) • Personal and Advertising Injury coverage • Internet Services and Internet Media Services coverage • Owned Property coverage with no ownership percentage threshold • Final adjudication and severability for fraud-related claims • Carve-back for Professional Services related to Pollution, Mold, and Property Syndication • 60-day automatic Extended Reporting Period • Bi-Lateral Extended Reporting Period with up to a 5-year tail available • 60-day notice of non-renewal • Severability of Application ADDITIONAL COVERAGES AVAILABLE for Real Estate Agents and Brokers: • Aggregate Retentions • Disciplinary Proceedings Reimbursement • Loss of Earnings and Expense Reimbursement • Contingent Bodily Injury/Property Damage (BI/PD) • Lockbox Coverage • Discrimination Coverage (Sub-limits up to full Policy Limits) • Additional Defense Limit of Liability • Retention Reduction for Residential Real Estate Capitol Special Risks understands the fast-paced world of real estate and the importance of timely service. We offer quick turnaround times and never charge a broker fee. You can rely on our experienced team to help you place real estate E&O accounts, whether your prospect is a growing residential brokerage or a commercial firm with multiple agents. In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094 Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for residential and commercial real estate agents, real estate brokers, and firms with independent contractors or multiple office locations. Is coverage available for independent contractors?Yes, the policy includes an extension to cover independent contractors working under the insured's license or brokerage. Are there options for extended reporting periods?Yes, the program includes a 60-day automatic extended reporting period and offers the option to purchase a bi-lateral ERP for up to 5 years. What states is this program available in?The program is available in most states, including CA, TX, FL, NY, and many others. Please contact Capitol Special Risks for specific availability. Is this program admitted or non-admitted?Most placements are written on an admitted basis, but availability may vary by state and account specifics. Need help placing an account? Connect with a market specialist.