Insurance Products

U.S. & Canada – Property E&S

Our U.S. and Canada E&S Property team considers all types of commercial occupancies for catastrophe protection based on individual risk characteristics. We entertain single location risks as well as large schedules of locations and consider risks throughout the U.S. including those located in both catastrophe prone and non-catastrophe prone areas.

Target Clients

We consider commercial properties with total insured values of $2.5M to $1B+ with a focus on the following classes:

  • Real Estate
  • Condominiums
  • Apartments
  • Municipalities
  • Schools (Public & Private)
  • Institutional
  • Hotels / Motels
  • Light Manufacturing & Warehousing
  • Vacant Buildings
  • Excess Placements


  • $25M capacity for non-catastrophe risks, depending on risk characteristics
  • $10M capacity for catastrophe perils
  • Flexible use of limits – ability to participate in more than one layer of coverage
Minimum Premium
  • Subject to a minimum policy premium of $25,000, except $50,000 for California Earthquake Zones A&B, Flood Zones A/V and Tri-County Florida on a primary basis
Coverage Features

Full limits, primary, quota share, buffer or excess capacity for the following exposures:

  • All risks
  • Named perils
  • Single catastrophe perils including windstorm, flood and earthquake
Submission Requirements
  • Prior loss history (3-5 years depending on occupancy)
  • Statement of values provided in an electronic format to include: address with zip code, construction, occupancy, year built, number of stories, square footage of building(s) and values by coverage
  • California single-location risks built prior to 1975 require documentation of seismic upgrades for underwriting consideration
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