X-Wind specialty insurance
Tier 1 – Wind located Hotels &
Healthcare facilities
Robust AOP coverage form that excludes all
weather-related perils, providing tailored solutions.
Located in most Tier-1 Wind Zones, Frame or JM exterior. Non-sprinklered. Or other risks that may be hard to place.
Enhancements we include
Not just a considerable risk appetite
Broad AOP coverage included in your policy
We’ll help you manage property risk efficiently to prevent loss and reduce claims.
But when things happen, you’ll be covered like you never were.
- $500 million blanket limit
- No co-insurance
- Full Replacement Cost
- Broad Risk Appetite
- Adequate Capacity for Larger Schedules
- EQSL
- $1 Million Sewer & Drain Backup
- Ordinance or Law
- Optional equipment breakdown
- All weather-related perils excluded
*Minimum TIV $4M
Risks we write
In Tier-1 Wind Areas
Hotels
Motels
Healthcare Facilities
Nursing Homes
*Minimum TIV $4M
Deals we’ve won
Featured hospitality policies recently written
$24,000,000 of TIV in Fort Lauderdale, FL
Franchised 290 Unit Hotel
Hotel
1 location.
Built in 1974
Bonus coverage:
$5k Deductible Buy Down
$18,000,000 of TIV in Tier-1 Wind Zone of SC
Nursing Home, aged out of standard market
HEALTHCARE FACILITY
1 location.
Built in 1982, frame exterior
Bonus coverage:
Opted in for Equipment Breakdown Coverage
$6,000,000 of TIV in
New Smyrna Beach, FL
Franchised hotel, beachfront property
Hotel
1 location.
Built in 2004
Bonus coverage:
$5k Deductible Buy Down
How we compare
AIU vs. standard policies
Coverage Highlights:
Property Coverage
AIU Coverage:
Standard Coverage:
| Property | Blanket coverage, full replacement cost. No margin clause. | Actual Cash Value or Replacement Cost up to specified limit depending on form |
| Coinsurance Requirement | No coinsurance | 80%, 90%, or 100% depending on form |
| Extended Period of Indemnity | 180 Days | 30 Days |
| Fire Fighting Materials or Expenses | $100,000 | $1,000 |
| Off Premises Services Interruption | $100,000 | Excluded |
| Water Damage (Back Up of Sewers or Drains) | $100,000 | Excluded |
| Ordinance or law coverage | Rich coverage limits for A, B, and C are included | Limited Coverage |
Will we insure your risk?
In under 5 minutes, you’ll get an answer and an indication
