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Habitational & Commercial Property Programs
This nationwide program is designed to write all types of low to medium-hazard properties including Condominiums (habitational and Offfice), Luxury Apartments, Adult living facilities, Hotels/motels, Medical offices, Shopping centers, Restaurants, Warehouses, and Churches. We consider all construction classes and write older properties with appropriate updates. The property must be more than 1/2 mile (2500 feet) from tidal waters and cannot be located on barrier islands.
*Click here for information on "Effective date of construction" or "GUT Renovation" definitions. *Click Here for company definition of roof-update. *Click here for information on prohibited risks
Comprehensive coverages:
Real and personal property, $25,000,000* limits, *Higher limits may be available
Business interruption / Loss of rents
Extra expense
Building ordinance or law
Outside Signs
Multiple wind deductible options
$7,500 minimum premium for Commercial accounts
$10,000 minimum premium for Habitational accounts
Qualifications:
The program is primarily intended for AL, FL, GA, LA, MD, NC, NJ, SC, and VA properties, but other locations may be eligible (call for details). EFIS & HTB construction are NOT eligible for this program.1995 or newer construction for risks located in Tri-county South Florida, older construction may be considered in all construction classes (No EFIS)
Must be more than 1/2 mile (2,500 feet) from tidal waters
No barrier islands
Frame may be considered in Central and Northern Florida but must be 2 miles or greater from tidal waters.
Preferred Risks (but not limited to):
ALF's
Churches
Condominiums (1981-1994 when located in other than tri-county South Florida)
Tri-county South Florida risks must be 1995 or newer construction
Distributors
Hotels / Motels
Light industrial manufacturing (narrative of operations required)
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
