-Residential Buildings; Condos, Co-ops, Rentals, HOA Communities
-Industrial Warehouses
-Retail shopping centers
-Secondary homes
-C.O.P.E.: Construction, Occupancy, Protection, Exposure ​

Replacement cost: The cost for materials and labor cost to replace damaged property back to the state that it was in at the time of the loss according to its current value. ​

Actual Cash Value: Replacement cost minus depreciation. ​

Agreed Value: pre-determined amount settled upon by both the insured and the insurance company. ​

Coinsurance provision: requires the property to be insured for a certain percentage of the property’s full replacement cost.

Inflation Guard: this offers additional coverage to your building limit at a certain percentage to help keep up with rising construction costs. ​

Ordinance & Law Coverage: will pay for the costs to demolish, remove, and rebuild your structure to current code. ​

-1st party property coverage providing physical loss or damage to product while in the ordinary course of transit on a worldwide basis.

-Can be extended to cover global storage/inventory exposures at warehouse facilities and retail locations.

-Bespoke coverage solutions for logistics operations such as freight liability, motor truck cargo legal liability, and warehouse legal liability.