Appetite guide · US E&S commercial property
What we write, where it attaches, and how it prices.
Read the appetite in under a minute. Non-admitted, direct in all 50 states, primary or excess, $500K – $25M (+/-) line size, exclusive to select wholesale partners.
Catastrophe perils
All-risk, including critical CAT. We write wind, flood and earthquake alongside the rest of the CAT stack.
Earthquake
CAT peril
Hurricane / Storm Surge
CAT peril
Severe Convective Storm
CAT peril
Winter Storm
CAT peril
Flood
CAT peril
Wildfire
CAT peril
Line size guide
Where we lean in, by risk quality.
Preferred · up to $5M
Clean loss history, superior construction, attaches above PML.
Standard · $1M – $3M
Attritional only, average COPE, nearer the working layer.
Distressed · $500K – $1M
Frequency or open claim, heavy-hazard, low attachment.
Pricing
Subject to loss history, COPE, hazard type, layer of interest and attachment point.
Appetite guide
Basis
Non-admitted, direct, 50 states. ISO, company, manuscript and excess-follow forms. Primary or excess.
TIV & premium
TIV $5M – $5B (+/-). Premium $5K – $500K (+/-).
Occupancies
Offices & Retail · Shopping Centers · Municipalities · Habitational · Condominium Associations · Education · Real Estate & Investment · Hospitality & Leisure · Manufacturing · Healthcare · Warehousing · + more. Line size relative to risk characteristics.
Broker Questions
The edge cases the lists don't cover.
If your risk is not clearly in or clearly out, the answer is usually here. If it still is not, call the underwriter before you build the file.
The schedule has one location outside appetite. Do you decline the whole account?
Not automatically. Send it. If the ineligible location is small relative to the schedule we will look at writing the balance, or quoting subject to that location being removed. Tell us in the notes which location it is so we are not guessing.
What about mixed occupancy?
We rate on the predominant occupancy and the exposure it creates. A retail centre with a light manufacturing tenant is a core risk. A core occupancy wrapped around an excluded one is not, so describe the tenancy in the submission.
Total insured value is above $5B. Is that out?
Our TIV range is $5M – $5B (+/-), with line sizes of $500K – $25M (+/-). Attachment points and limits flex with the account, so call the underwriter before you build the file.
Can you write a primary layer, or excess only?
Either. We write primary or excess. Give us the target attachment point and we will price the layer.
Do you write vacant or unprotected buildings?
Vacancy and protection are rating and underwriting factors rather than automatic declinations, but both narrow the appetite considerably. Occupancy status, sprinkler and alarm detail belong in the submission so the risk is not quoted twice.
Will you look at older habitational?
Yes, with construction and update detail. Roof age and covering, and the dates of the last electrical, plumbing and HVAC updates, drive both the decision and the price on this class.
Do you quote monoline wind?
Our technical price is built by peril, so wind can be isolated within a layer. Talk to the underwriter before you build the file so we can confirm the structure works against our aggregation.
How long until I get a quote?
Quotes are delivered within 24 hours through a technology-led workflow, depending on risk intricacy. Files missing an SOV or loss runs sit until they are complete, which is the single biggest cause of delay.
Answers describe our underwriting approach and submission process only. Coverage is determined by the policy terms as issued.