Overview

Many commercial insureds look to the specialty arena to cover their catastrophe exposures. The expertise and experience of our underwriting team at Endurance U.S. Insurance Operations provides a financially strong and committed company to serve those needs. By applying constant and thoughtful attention to changes in marketplace environment we are able to provide significant market capacity, a consistent underwriting approach and timely response. Endurance U.S. Insurance Operations can be accessed through a highly select network of top wholesale brokers.

Target Clients

We consider all types of commercial occupancies for catastrophe protection based on the individual risk characteristics. We specialize in risks that are written with multiple layers of coverage provided by multiple insurance carriers. We entertain single location risks as well as large schedules of locations. We consider risks throughout the country including those located in catastrophe prone areas.

Product

Our Products include the perils of:

• Earthquake
• Wind
• Flood

Earthquake

Capacity

• $25 million maximum capacity Earthquake: California, New Madrid, Pacific Northwest and Hawaii

Minimum premiums

• California locations with 100 percent PML exposures on impacted fault lines – $25,000 GPM
• California excess of PML – $1,500 GPM
• All other locations in other states: Excess of PML – $1,000 GPM
• Subject to minimum policy premium of $10,000

Policy Forms

• We provide Endurance policy forms for the products we offer.
  

Coverage Features

• We prefer to provide coverage on a single peril or multiple peril basis for earthquake and/or flood. We also can provide Difference in Conditions policies for earthquake and/or Flood policies at the discretion of the underwriter.
  

Underwriting Capabilities

• We can consider primary, buffer or excess of PML capacity depending on the risk characteristics. Our underwriters have the ability to be flexible in providing our capacity and have the ability to participate in more than one layer of coverage.

Submission Requirements

• Need 5-year loss history
• Statement of values provided in an electronic format to include: address with zip code, construction, occupancy, year built, number of stories, square footage of building(s) and values by coverage
• Risks built prior to 1975 will require documentation of seismic upgrades for underwriting consideration
• We do evaluate insurance to value when underwriting earthquake and flood exposures.

Wind

Capacity

• $10-15 million maximum capacity Florida and limited appetite for risk in other coastal states with the exception of Louisiana
• Excess or buffer attachment only
• Hawaii wind acceptance and capacity is based on the individual underwriting merits of the account

Minimum Premiums

• Subject to minimum policy premium of $25,000

Policy Forms

• We can provide Endurance forms or consider alternative forms as submitted by the broker subject to underwriting approval.
  

Coverage Features

• We have the ability to provide single peril coverage for wind or named windstorm. We can also offer excess all/risk coverage which provides concurrent terms and conditions in accordance with the primary or underlying coverage the insured has purchased.

Underwriting Capabilities

• We will consider wind exposed accounts on an excess basis only. We consider buffer layer participations as well as higher excess participations excess of the normal expected loss for other perils on all/risk policies. In Hawaii, we can consider primary participations as well as excess participations and additional capacity based on the individual underwriting merits of the account.

Underwriting Requirements

• Construction must be joisted masonry or better, no frame
• Must be at least 1/2 mile from the coastline
• No island exposures, except Hawaii
• Will consider writing all risk or named windstorm

Submission Requirements

• Need 5-year loss history
• Statement of values provided in an electronic format to include: address with zip code, construction, occupancy, year built, number of stories, square footage of building(s) and values by coverage
• We do evaluate insurance to value when underwriting wind and all/risk exposures.

Flood – Stand Alone – Other than Zone A

Significant Capacity

• $10-15 million capacity
• Offer primary, buffer or excess capacity
• Subject to minimum policy premium of $10,000

Submission Requirements

• Need 5-year loss history
• Statement of values provided in an electronic format to include: address with zip code, construction, occupancy, year built, number of stories, square footage of building(s) and values by coverage

Flood – Stand Alone – Zone A

Capacity

• $5-10 million maximum capacity
• Primary or buffer
• Minimum deductible is equivalent to NFIP
• Minimum policy premium – $25,000

Submission Requirements

• Need 5-year loss history
• Statement of values provided in an electronic format to include: address with zip code, construction, occupancy, year built, number of stories, square footage of building(s) and values by coverage
• Elevation
• Occupancy

Contact Information

John Zachry
President and Chief Property Officer
Endurance U.S. Specialty Services
+1 213-270-7001
jzachry@enhinsurance.com

Locations:

Chicago Office

Endurance U.S. Insurance Operations 
10 So. Wacker Drive, Suite 2970
Chicago, IL 60606
United States
Tel No. +1 312-706-1800
Fax No. +1 312-706-1802

Los Angeles Office

Endurance U.S. Insurance Operations
725 S. Figueroa Street, Suite 2100
Los Angeles, CA 90017
United States
Tel No. +1 213-270-7000
Fax No. +1 213-270-7800

Seattle, Washington

Endurance U.S. Insurance Operations
800 Fifth Avenue, Suite 4100
Seattle, WA  98104
United States
Tel No. +1 206-447-1330
Fax No. +1 206-447-1357

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