The small-business properties most standard markets re-rate into a decline. Coastal Main Street, older frame, restaurants, vacant storefronts, habitational. We read the file, price the exposure, and come back with a real quote.
Plain-English appetite. If your risk fits, send the file. We'll quote in hours.
Three recent accounts. Classes disguised, structure real.
Three-generation hardware store on Tier 1 wind coast, 8,400 sq ft frame with masonry facade, sprinklered. Prior admitted carrier non-renewed on coastal pullback. Bound at $2.8M TIV with 3% wind deductible.
Former bakery, 120 days vacant during sale to new owner. 2,200 sq ft, Protection Class 4, local alarm. Bound on 6-month term with builders-risk conversion ready once buildout starts.
62-seat full-service restaurant, wood-fired pizza oven, single location in historic downtown. Standard market excluded open-flame cooking. Bound with engineered suppression evidence on file.
Send TIV, COPE, and current losses. Clean property submissions get a same-day indication.