Products

Special Risk Insurance

The placement of insurance coverage for scheduled and unscheduled personal property is the main focus of our personal lines insurance/special risk insurance department. With more than 50 years of insurance underwriting experience, our professional staff promises to provide you and your clients with quick insurance quotes and experienced help with all your personal property insurance needs.

Coverages

  • AUTO PHYSICAL DAMAGE – EXCESS ONLY
  • DEDUCTIBLE BUYBACK – IE EARTHQUAKE & WIND
  • EARTHQUAKE  – LOSS OF USE, OTHER STRUCTURES,  LOSS ASSESSMENTS, PROPERTY, ADDITIONS & ALTERATIONS, HARDSCAPE   – PRIMARY & EXCESS
  • EARTHQUAKE WRAP AROUND
  • EVENT CANCELLATION
  • EXCESS FLOOD
  • JEWELERS BLOCK
  • MUSEUM & GALLERY
  • PERSONAL ARTICLE FLOATERS SCHEDULED, UNSCHEDULED & BLANKET
  • PRIMARY FLOOD
  • PROFESSIONAL EQUIPMENT FLOATERS
  • TRANSIT
  • UNSCHEDULED PERSONAL PROPERTY  STORAGE, STAGING, RESIDENCE LOCATIONS

Programs Available

EARTHQUAKE WRAP AROUND

  • For Homeowners Insurance through CEA or other Mini quake programs
  • Also available for renters & condominium owners
  • Deductible options 5%, 10%, 15% per coverage line available

FLOOD

  • Primary
  • Excess
  • Full limits under one policy in some cases

PERSONAL ARTICLE FLOATERS SCHEDULED

  • All Risk Coverage
  • Full Earthquake coverage included with no deductible or minimal deductible available
  • Single Items up to multi-million-dollar schedules accepted
  • Schedules including – jewelry, furs, fine arts, silver, rugs, guns, wines, sports memorabilia, etc.
  • Blanket coverage available
  • Insured for and valued at form
  • Worldwide coverage for most classes of business

PROFESSIONAL EQUIPMENT FLOATERS

  • Named Location, Continental USA / Canada & available limited worldwide coverage, including musical instruments, camera equipment, recordings equipment, etc.

UNSCHEDULED PERSONAL PROPERTY

  • All Risk coverage for general contents (excluding flood)
  • Full Earthquake coverage with minimal deductible
  • Options of Named Perils & Difference in Conditions available
  • Residential, Storage & Staging
  • Replacement Cost coverage
  • High Limits available

Markets

  • HDI Global Insurance Company
  • Hudson Insurance Company
  • Markel Insurance Company
  • StarNet
  • XL Specialty & others
  • Brit
  • Hiscox
  • Lloyds Underwriters
  • QBE/UK