Catastrophe, Coastal & Wind/Hail Property Insurance
Capacity for the hard-to-place risk: coastal wind, named storm, hail belt, flood, and quake.
Catastrophe-exposed property is where the standard market still says no. Near the Gulf, most standard carriers won't write windstorm at all, so the coverage moves to E&S and London markets and named-storm deductibles start around 5% of insured value. On a $20M building, that's the first $1 million out of your pocket before the carrier pays a dime. Placing this well takes real market access and a willingness to build the program in layers. Find the capacity, engineer the deductible, keep the limit adequate and the lender satisfied. That's the job.
Who this is for
Built for accounts like yours
What we structure
Wind & named storm
Primary and excess wind, including named-storm placements through E&S markets and Lloyd's syndicates.
Hail, wildfire & quake
Specialty capacity for hail-belt, wildfire, and earthquake-exposed locations that standard markets have sublimited or declined.
Deductible engineering
Percentage-deductible buy-downs and structures that keep one storm from wrecking a year of cash flow.
Parametric & captive options
Alternative risk transfer for when traditional capacity is scarce or priced past the point of sense.
Common questions
My coastal property is hard to insure. Can you place it?
Usually, yes. CAT-exposed property is rarely uninsurable. It just has to go to surplus-lines and London markets, often in layers, and it has to be presented by someone those markets know. We assemble the capacity and structure the deductibles so the limit is adequate and the cost is survivable.
Can you reduce my wind/hail deductible?
Often. Deductible buy-downs and program restructuring can both move it. We model the trade-off between premium saved and risk retained so you can see what the structure does to your balance sheet before you commit.
Do you use parametric or captive solutions?
When they make sense, which is not always. Parametric covers and captives can be the cheapest way to finance catastrophe risk in a distressed market, and a waste of money outside one. We'll show you the math either way.
Get started
Talk to a cat / coastal property specialist
Send us the current program, or just the renewal date. We'll tell you whether the structure, the pricing, or the coverage can be beaten. Built for accounts with $50,000+ in annual premium.
- A second set of expert eyes on your program, free.
- Marketed to the carriers that actually want your risk.
- No obligation, fully confidential.