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Maritime Program Group now offers Homeowner's Insurance for Coastal New England, a specialized program for high-value coastal homes on Nantucket, Martha’s Vineyard, Cape Cod and similar wind-exposed locations. We underwrite high-quality coastal wind exposures and prioritize accounts with strong risk profiles. The Homeowner's Insurance for Coastal New England program is designed for responsible, low-profile owners who maintain their properties and take proactive loss-prevention measures. Ideal Accounts and Target Appetite We write coastal wind coverage for well-qualified homeowners. Typical characteristics we prefer: Responsible owners—insurance score above 750 and a track record of asset stewardship. Well-maintained properties that are regularly inspected by the owner or a caretaker. Acceptable flood exposure—properties in Flood Zones A or V may be considered when elevation is positive and required documentation is provided. Example scenarios: A year-round homeowner on Cape Cod with full alarm systems, documented elevation certificate, and no prior wind or water losses in the past five years. A seasonal owner on Nantucket who uses a professional caretaker, has a written winterization plan, and carries primary flood insurance where required. Underwriting Requirements To qualify, submissions must meet these underwriting standards: Primary flood insurance is required for properties located in Flood Zones A or V. Elevation certificates are mandatory for Flood Zones A or V; risks with negative elevation are not eligible. Homes must have central station burglar and fire alarms, plus low-temperature sensors (or a documented winterization plan for vacant homes). Any prior wind or water loss must be fully remediated with proof supplied. Homes vacant for more than 30 consecutive days require a written winterization plan (pipe drainage and maintained heat) in lieu of low-temperature sensors. Water shut-off valve is required for any new business account with a water loss within the last three years. Coverage Highlights and Advantages Key program features available to appointed producers: Available through AIG Select using ISO Form 3 HO-2000. Minimum dwelling coverage limit: $1,500,000. Minimum All Other Perils (AOP) deductible: $5,000. Hurricane deductible minimum: 2% (options up to 5%). Mandatory enrollment in the Hurricane Protection Unit for wind-exposed risks. 150% extended replacement cost may be available following an RMS inspection. Coverage Restrictions and Limits Additional Living Expense (ALE) capped at 25% of the dwelling limit. Water backup limited to $25,000. Code upgrade coverage capped at 25%. Fungi/mold coverage limited to $10,000. Liability is limited to residence premises unless a total account is written. Vacant homes actively on the market are excluded from the program. If a home becomes vacant or is listed for sale during the policy term, coverage for fire, lightning, hurricane, or water loss is excluded. Dwelling must be maintained at a minimum temperature of 65°F. No Fraud or Household SafeGuard enhancements are available (Equipment Breakdown Plus is acceptable). Primary and excess flood coverage cannot be placed through this program. Where This Program Is Available This program is available to agents and brokers in all 50 states and Washington, DC. While the focus is coastal New England, appointed producers nationwide can access this market for qualifying risks. Why Work With Maritime Program Group? Maritime Program Group is a specialty Managing General Agency with deep experience in coastal property exposures. Our underwriters understand the complexities of wind-prone, high-value homes and work to place well-qualified risks with top-tier markets. We provide clear underwriting guidelines and responsive support to help you move eligible accounts efficiently. If you represent high-net-worth clients who own primary or secondary homes in coastal New England, this program offers tailored coverage and risk-management requirements designed to protect both property and homeowner continuity. Call Maritime today for all of your Homeowner's Insurance for Coastal New England risks! Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts are responsible homeowners with high insurance scores and well-maintained properties in coastal New England—examples include homes on Nantucket, Martha’s Vineyard, and Cape Cod. Are flood zone properties eligible?Properties in Flood Zones A or V may be eligible if they have positive elevation, current primary flood insurance, and a valid elevation certificate. What is the minimum coverage limit for this program?The minimum dwelling limit is $1,500,000; other deductibles and risk management requirements also apply. Can I write homes that are on the market or vacant?No. Homes that are vacant or listed for sale during the policy term are excluded from coverage for fire, water, hurricane, and related perils. Is this program available outside of New England?Yes. While focused on coastal New England, the program is accessible to appointed agents in all 50 states and DC for qualifying risks. Need help placing an account? Connect with a market specialist.

Cargo Insurance - Motor Truck Cargo Insurance J.M. Wilson offers a focused Cargo Insurance program designed for transportation professionals and intermediaries who need specialty placement options. As a Managing General Agency and Excess & Surplus Lines broker, we access both admitted and non-admitted markets to help independent agents place hard-to-place or specialized cargo risks with confidence and speed. Ideal Accounts and Appetite This program is built for a broad spectrum of transportation clients, including: Transportation Brokers Freight Forwarders Mobile Home Movers Car Carriers Couriers Livestock Haulers You might have a client who ships perishable goods across multiple states and needs broader spoilage or refrigeration protection, or a livestock hauler that requires specialized livestock coverages. This program is structured to add those enhancements that standard cargo forms may not provide. Coverage Highlights and Advantages Key protections available through J.M. Wilson’s Cargo Insurance program include: Debris & Pollution Removal with higher separate limits Broad Livestock Coverage tailored for animal transit Towing and re-load expense coverage Traffic & security expense coverage $1 million catastrophe limit Optional Coverages and Endorsements Spoilage or freezing coverage for perishables Diminishing deductible options Non-owned container and trailer interchange Owner’s goods extension Pollutant cleanup and removal Right and duty to defend endorsements Excess cargo placement for higher limits Additional Program Advantages No coinsurance penalty Expanded refrigeration coverage for temperature-sensitive loads Coverage for hired car cargo exposures Mitigation payments up to $5,000 Fire department service charge expense coverage up to $25,000 Underwriting and Market Access J.M. Wilson places accounts with a panel of admitted and non-admitted carriers, giving you flexibility when standard markets aren’t able to respond. Favorable consideration is given to accounts that demonstrate sound operations, documented risk management, and clear cargo handling procedures. While there is no stated minimum premium, submission quality and operational details will influence placement and pricing. Territories and Availability This Cargo Insurance program is currently available in: GA, IL, IN, KS, KY, MI, MS, MO, OH, PA, SC, TN, WV, and WI. Why Work With J.M. Wilson With decades of experience as an MGA and E&S broker focused on transportation, J.M. Wilson gives independent agents access to specialty markets and responsive underwriting teams. We help agents place complex cargo risks—from fast-moving couriers and freight brokers to niche haulers—providing practical endorsements and tailored limits to match operational needs. Our team moves quickly on submissions and works with you from quote through bind to close placements efficiently. Frequently Asked Questions What types of accounts are a good fit for this Cargo Insurance program?Ideal accounts include transportation brokers, freight forwarders, car carriers, livestock haulers, couriers, and mobile home movers—especially when standard cargo forms are insufficient or the cargo is higher risk. Is this program available on an admitted or non-admitted basis?J.M. Wilson works with both admitted and non-admitted carriers, allowing placement flexibility depending on the state and the risk profile. What states is this Cargo Insurance program available in?This program is currently available in GA, IL, IN, KS, KY, MI, MS, MO, OH, PA, SC, TN, WV, and WI. Need help placing an account? Connect with a market specialist.