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General Information

  • NAIC # 11515
  • A.M. Best Rating: A X
  • Status: Non-Admitted
  • Territory: United States of America
    1. Western States:
      • Alaska (AK)
      • Arizona (AZ)
      • California (CA)
      • Colorado (CO)
      • Hawaii (HI)
      • Idaho (ID)
      • Montana (MT)
      • Nevada (NV)
      • Oregon (OR)
      • Utah (UT)
      • Washington (WA)
      • Wyoming (WY)
    2. New Madrid Exposure States:
      • Arkansas (AR)
      • Illinois (IL)
      • Indiana (IN)
      • Kentucky (KY)
      • Mississippi (MS)
      • Missouri (MO)
      • Tennessee (TN)
  • Perils: Earthquake, Earthquake Sprinkle Leakage, Flood and Building Ordinance
  • Maximum Limit: $50,000,000.
  • Minimum Premium: $3,000.
  • Policy Writing Minimum Premium: 25% of the annual premium.
  • Minimum Deductibles:
    • AOP - $25,000,
    • Earthquake:
      • Western States
        • California - 5%
        • All Others – 2%
      • New Madrid – 2%
      • Flood – $25,000.
  • Valuation:
    • Actual Cash Value
    • Replacement Cost Valuation subject to one of the following:
      • Current Marshall Swift or other valid form of valuation;
      • Past 3 years of Fire Policy Declarations Page (Must be able to determine values used);
      • SIU’s minimum value requirement;
    • Green Replacement Cost Upgrade (On available in conjunction with Replacement Cost Valuation).
  • Policy Fee: $150.00
  • Inspection Fee:
    1. California:
      • $125.00 per location in EQ Zones A1, A2, B1, B2 & B3
      • $150.00 per location all other EQ Zones
      • All Other States: $150.00
  • Standard Broker Commission: 15.5%