Property / CAT
4 open
- Replacement cost
- Blanket and shared limits
- Coinsurance
- Wind, flood and quake
- Ordinance or law
- Business income
Insurance program diagnostic
What we actually look at
A line-by-line read of the proposed program against exposures, the conditions identified and what the market will offer.
Liability
2 open
- General liability structure
- Umbrella and excess
- Additional insureds
- Primary / noncontributory
- Habitational restrictions
- Contractual liability
Construction
2 open
- Builder's risk
- Soft costs and delay
- Existing structures
- Testing and startup
- Transit and off-site
- Partial occupancy
Financial / Specialty
2 open
- Crime and fidelity
- Cyber
- Pollution
- Management liability
- Professional liability
- Social engineering
And how it compares
Pricing
Property rate per $100 TIV ($.30), premium per unit, builder's-risk rate
Retentions
All-other-peril, wind, named storm, flood and liability deductibles
Coverage
Property, CAT and flood limits, business income, ordinance or law
Structure
Layered or single-carrier, blanket or scheduled, shared limits, buy-downs
Compared against geography and CAT exposure, unit count and insured value, construction type, PHA / LIHTC portfolio mix, and loss history.