Deductible Buyback

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Reduce wind and hail deductibles for your clients' commercial properties nationwide

Our deductible buyback program provides a valuable solution for your clients facing large deductibles by lowering their out-of-pocket costs. For clients with commercial properties, our comprehensive program can be an option to lower out of pockets expense at time of loss for critical coverage and overall enhanced financial security, backed by A+ XV rated capacity. 

Key features

  • Non-admitted, nationwide program
  • Two different capacity providers
  • “A+ XV” A.M. Best rated carriers
  • Up to $100m in TIV
  • Minimum premium: $5,000
  • Minimum attachment point: $10,000
  • Premium is 100% earned at inception unless otherwise agreed
  • Frequently used to meet lender or association by-law maximum deductible requirements

A+ XV

A.M. best rated carrier

$5m

in limits

Coverages available

Coverage includes:

  • Windstorm deductible buydown per risk capacity
  • Property, contents and loss of income
  • Other structure coverage available
Aerial view of flooded suburban neighborhood

Target classes

  • Wood frame
  • Joisted masonry, non-combustible
  • Masonry non-combustible
  • Fire resistive

  • Commercial habitational (apartments and condominiums)
  • Office buildings and real estate
  • Group institutional housing
  • Retail
  • Hospitals
  • Healthcare

  • Asphalt shingle
  • Wood shingle
  • Tile shingle
  • Metal
  • TPO/membrane

  • Windstorm and hail
  • Named windstorm
  • Hurricane

Submission requirements

  • Completed ACORD application or excel SOV
  • 5-year loss runs
  • Target premium

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Applications

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