Commercial Earthquake

You are currently viewing Commercial Earthquake

Specialty Products

Commercial Earthquake

Tall office building

Product Info

Our Commercial Earthquake Product is the only commercial earthquake facility able to offer over $350 million in capacity, with access to 18 carriers* rated “A-” or above by A.M. Best.

We provide the highest earthquake and difference in conditions limits in the industry.

  • Broad coverage, specifically designed for medium to larger commercial accounts
  • Superior service with experienced underwriters
  • Expedient policy issuance
  • 25+ years exclusively supporting wholesale market
  • Emphasis on fundamental underwriting
  • Competitive and consistent pricing
  • Competitive commissions

 

18 carriers top-rated by A.M. Best*
AL, AK, AZ, AR, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY

Coverage Highlights

  • Available limits in all California zones
  • Highest EQ/DIC limits in the industry
  • Broad coverage
  • Highest EQ/DIC limits in the industry
  • Designed specifically for medium-to-larger commercial accounts
  • Written on primary or excess layers or combination of various attachment points
  • Minimum Total Insured Value (TIV)
    • $10 million general property

 

* Steadfast Insurance Company (Zurich Group) “A+” (XV); Princeton Excess & Surplus Lines Insurance Company (Munich Re America Group) “A+” (XV); Lloyd’s of London “A” (XV); Hamilton Insurance Designated Activity Company “A-” (XIV); Everest Indemnity Insurance Company (Everest Re Group) “A+” (XV); QBE Specialty Insurance Company “A” (XV); Mercer Insurance Company “A” (X); Palomar Excess and Surplus Lines Company “A-” (IX); General Security Indemnity Company of Arizona (SCOR Re Group) “A+” (XV); Old Republic Union Insurance Company “A+” (XV); CUMIS Specialty Insurance Company, Inc. “A” (XII); Lexington Insurance Company “A” (XV); Trisura Specialty Insurance Company “A-” (IX); Transverse Specialty Insurance Company “A-” (IX); Spinnaker Specialty Insurance Company “A-” (VIII); Covington Specialty Insurance Company (RSUI) “A++” (XIV)

Target Market

Preferred construction types:

  • Steel
  • Wood frame
  • Reinforced concrete
  • Joisted masonry

Subject to review:

  • Mixed construction, tilt-up (1976 or newer) and metal
  • Older buildings okay based on excess attachment point
  • Excess of tuck-under values
  • Exclude flood zone A and V on primary accounts
  • No poor soil conditions such as high liquefaction and bay mud

How to quote

Contact

Lew DeFuria, President 619.881.8560 | LDefuria@ArrowheadGrp.com
Jimmy Saldana, Senior Executive Vice President 619.881.8595 | JSaldana@ArrowheadGrp.com

Submission Requirements
  • Named insured and mailing address
  • Excel spreadsheet statement of values: City, State, Zip Code
    • Construction, occupancy, year built
    • Square footage of building, number of stories and buildings
    • Breakdown of values
  • Insured business description/operations
  • Effective date
  • Term requested
  • Quote due date
  • Limits, perils, coverages and deductibles requested
  • Current layering and premiums
  • Suggested layering
  • Target pricing and TIV breakdown
  • Loss history and any inspections or engineering reports