Property

Our national network of professionals combines technical rigor with a depth of experience to develop winning solutions for our clients’ most challenging catastrophe and All Risk needs.

B&R’s National Property Practice tailors its approach with the understanding that no two risks are alike. We utilize our market relationships and thorough product knowledge to provide you and your client with comprehensive, personalized solutions.

We entertain most property risks where the standard marketplace is not interested or is unable to provide the desired coverage. We offer a wide range of markets, both admitted and non-admitted, and we work with you to design a program with the coverage and value you need to satisfy even your most sophisticated and demanding client. Examples include:

• Real Estate: habitational, commercial, industrial
• Public entity
• Hospitality
• Healthcare
• Historic / older buildings
• Vacant properties
• Brush or forest areas
• Recycling
• Chemical and energy

Submission requirements: Electronic statement of values, 3-5 year loss history, ACORD application and/or risk specific questionnaire

We place coverage at competitive rates for all types of habitational and commercial risks. Premiums generally start at $1,500.

• Primary and Excess
• Apartments and condominiums
• Affordable, student, and elderly housing
• New and older construction
• Risks with losses
• All construction types and protection classes
• Single locations or large national schedules
• Mixed use or single occupancy
• HPR (highly protected risk)
• No restrictions on type of business
• Vacant and unoccupied

We offer catastrophic model report analyses to assist you and your client in gaining a broader perspective on potential exposures and to support a more educated buying decision. Just as no two DIC risks are identical, no two DIC forms are identical. We have studied every carrier form represented and pursue coverage enhancements on all placements. We access the entire marketplace to select the strongest and most competitive carriers and deliver a comprehensive, customized, cost-effective solution for you and your valued client. We entertain a wide range of DIC risks, from single location risks to highly diverse Real Estate schedules with locations throughout the United States.

• Real Estate: habitational, commercial, industrial
• Public entities
• Hospitality
• Healthcare
• Historic / older buildings
• Wineries and bottling companies

• Primary / Excess
• Layered Accounts
• Follow form with drop down endorsement
• Admitted and non-admitted carriers
• All construction types
• No age restriction
• Premiums start at $1,000
• Solutions for high liquefaction, coastal wind, and flood zones

Submission requirements: electronic statement of values

We can address your project specific or master policy exposure needs. We match the right carriers and forms to the specifications of the project and insured’s requirements. We analyze exposures and PMLs, then design a comprehensive and cost-effective program. We also recognize the importance of addressing third-party contractual obligations and can work with your casualty placements to help coordinate all coverages and assist you in avoiding costly and embarrassing coverage gaps. Brown & Riding is a leader in the wholesale industry in identifying issues and pioneering coverage enhancements to address these exposures.

• All risk builder’s risk, including or excluding earthquake, flood, and wind exposures
• Project specific and master policies
• All construction types including high-valued wood frame
• Custom homes
• Renovations / remodels / conversions
• Roads, bridges, tunnels
• Pipelines
• Site improvements
• New construction
• Installation floaters
• Engineered risks / seismic retrofits
• Commercial and residential
• Environmental / green projects (LEED)

• Admitted and non-admitted carriers
• Catastrophe perils available
• Markets available for replacing coverage midterm
• Premiums start at $1,000

Submission requirements: builder’s risk questionnaire, plot plan, construction budget, construction schedule

We offer a variety of other different and unusual first-party property risk coverages including:

• Bridges, docks, wharves
• Precious metals
• Stock throughputs
• Inland Marine
• Ocean Marine
• Primary and contingent cargo
• Warehouse Legal Liability
• Fine arts
• High-value dwellings
• Equipment breakdown
• Condo conversions
• Light to heavy manufacturing
• Deductible buy downs
• Commercial manufacturing output
• Contractors’ equipment
• Motor truck cargo
• Auto physical damage