Specialty E&S commercial property insurance for vacant buildings, historic structures, and high-hazard zone properties. Access to Lloyd's and specialty markets.
Specialty property insurance addresses commercial real estate that admitted carriers decline or rate prohibitively: vacant buildings awaiting renovation, historic structures, buildings in high-risk zones (brush fire, flood, earthquake), unusual construction types (geodesic, converted industrial), an…
E&S (excess and surplus lines) carriers are not admitted in the state but are licensed to write risks admitted markets decline. You need an E&S market when your property is vacant, in a high-hazard zone, has unusual construction, or has prior losses …
Standard policies contain vacancy clauses that reduce or eliminate coverage if a building is vacant beyond 30–60 days. After the vacancy period, fire, vandalism, and sprinkler leakage coverage are typically suspended. Vacancy permits or specialty vac…