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             officeblg     Commercial Property
Small Business Unit
INDICATION REQUEST FORM

In spite of competition, we have a large customer base using our products. The reason being, we donīt compromise on our quality, pricing and timely delivery.  

The new Small Business Unit has been formed with the intention of servicing accounts $7,500,000 and under.  We can consider older properties with required updates.  Our goal is to provide you with a well priced, timely quote.  Our general guidelines are provided below.  
                                                                             
         Construction Types: Frame, NC, JM, MNC and Fire resistive. 
         EFIS and HTB construction are NOT eligible
  
Age considerations: Older properties with appropriate updates for wiring, plumbing and roofs** 
                                 
    ** roof updates are to mean complete roof replacement up to current code as of it's replacement date

Windstorm Coverage Options:

Lloyd's - The property must be more than 1 mile or greater from tidal water. Certain counties may require 2 miles from tidal water or be outside of the wind-pool.   Wind and Hail deductible options offered are from 1% to 10%. We can also offer property on a "Wind Excluded" basis at any location. 

Empire - The property must be more than 2500' from tidal water. Wind and Hail deductible options offered are from 1% to 10%. 


Other coverages options:

  • Crime* 
  • Signs
  • Glass*
  • Ordinance or law
  • Food spoilage
  • ACE- coveage enhancement endorsements*
  • Inland marine*
  • Business Income
  • Fine Arts*

              * only offered with Lloyd's

Other lines of business:

Minimums: Lloyd's - $5,500 Minimum Premium, 25% Minimun Earned
                  Empire - $10,000 Minimum Premium, 25% Minimun Earned
              

Preferred Risks (but not limited to):

  • ALF's
  • Churches
  • Condominiums
  • Distributors
  • Hotels/Motels
  • Light industrial manufacturing
  • Luxury apartments
  • Medical offices
  • Nursing homes
  • Office buildings
  • Office condominiums
  • Retail operations
  • Strip malls & Shopping centers
  • Rental dwellings
  • Restaurants & Catering operations
  • Warehouse/Commercial condos

Prohibited Risks:(Click here)
Supplemental Applications (Click Here)

Small Business Unit Marketing Hand-out
 

Sigma Underwriting ManagersSM. All rights reserved. Certain coverages may not be available in all states. Coverage will be written on a non-admitted basis only through licensed surplus lines brokers, The description here is a summary only, it does not include all terms, conditions and exclusions of the policies and coverages described.  PRIVACY STATEMENT
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