Looking for flexible coverage and added protection above a primary property policy? Look no further.

Buffer/Excess Property Program

Competitive Property Buffer and Excess Coverage

In partnership with an A.M Best A Rated, class XV carrier, the Breckenridge buffer and excess program provides increased property coverage limits and added protection above an insured’s primary property policy. With limits up to $5 million and attachment points as low as $1 million, this flexible coverage suits a broad range of property appetites from commercial and office buildings to real estate investor property schedules, vacant buildings, warehouses, shopping centers, schools and more.

Program Available in all 50 states
 Download Sell Sheet

Retail Agents: Don’t see a fit for your risk in this program?

Check out our brokerage options here.

  • Limits up to $5 million per occurrence
  • Attachments points as low as $1 million
  • Real Estate Schedules
  • Offices
  • Retail
  • General commercial, mercantile and service industries
  • Habitational, Apartment and Condominium schedules (excess only on frame Apartments)
  • Strip Malls and Shopping centers
  • Vacant Buildings
  • Distribution and Storage warehouses – low hazard
  • Light Manufacturing – low hazard
  • School & Municipal schedules
  • Hotels (modern only)
  • Accounts with a TIV of more than $100M
  • Oil, Gas & Petrochemical industries
  • Ocean Marine
  • High hazard manufacturing risks
  • Wood workers / Lumber risks
  • Recyclers or Waste Managers
  • Stand alone: Business Interruption, Flood, Earthquake or DIC
  • Standalone T&D lines, Communication towers
  • Piers, Wharves & Docks
  • Agriculture / Food Processing
  • Exposure outside of the US
  • Completed ACORD Application and SOV for multiple locations
  • Expiring and/or target premium
  • Loss runs
Limits & Attachment Points

  • Limits up to $5 million per occurrence
  • Attachments points as low as $1 million
Target Classes

  • Real Estate Schedules
  • Offices
  • Retail
  • General commercial, mercantile and service industries
  • Habitational, Apartment and Condominium schedules (excess only on frame Apartments)
  • Strip Malls and Shopping centers
  • Vacant Buildings
  • Distribution and Storage warehouses – low hazard
  • Light Manufacturing – low hazard
  • School & Municipal schedules
  • Hotels (modern only)
Excluded Classes

  • Accounts with a TIV of more than $100M
  • Oil, Gas & Petrochemical industries
  • Ocean Marine
  • High hazard manufacturing risks
  • Wood workers / Lumber risks
  • Recyclers or Waste Managers
  • Stand alone: Business Interruption, Flood, Earthquake or DIC
  • Standalone T&D lines, Communication towers
  • Piers, Wharves & Docks
  • Agriculture / Food Processing
  • Exposure outside of the US
Submission Requirements

  • Completed ACORD Application and SOV for multiple locations
  • Expiring and/or target premium
  • Loss runs

 

Contacts

 

Michael Marks
Michael G. Marks, ARM, ASLI

SVP, Program Director

Richmond, VA

Specialty Property Program

Office: 804.459.8083

Cell: 770.315.5213

moc.sikcerb@skramm

Peter Friend

Senior Underwriter

Lansdale, PA

Specialty Property Program

Cell: 215.431.9959

moc.sikcerb@dneirfp

Elliot Prusa

Underwriter

Omaha, NE

Specialty Property Program

Cell: (402) 320-4345

moc.sikcerb@asurpe

“Again, I want to thank you for all your help! I really do appreciate it. I don’t think there are many companies out there who would be willing to work with us as much as you did!!”

Insurance Agency Office Manager

From The Blog

Buffer/Excess Property was last modified: November 18th, 2022 by Adam Rawlings