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QBE North America

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Program Details -

CAT Property


Property Coverage for Wind

Property insurance primarily against catastrophic wind events predominantly in the Gulf and in the Southeast United States.

Products and services

  • Fire/AOP including flood and quake for commercial coastal risks.

Target accounts

  • Commercial coastal risks
  • States: FL, TX, MS, SC, NC, GA, AL, LA, VA


Difference in Conditions Program

This program offers non-admitted commercial Difference in Conditions ("DIC") coverage through a distribution force of wholesale brokers predominantly in California and the Pacific Northwest.  QBE offers full limit primary, buffer and excess coverage. Coverage may be written for individual locations to nationwide accounts. 

Products and Services

  • DIC
  • Earthquake and Flood
  • Capability to provide limits up to $50 million

Target accounts

  • Middle market and nationwide accounts - Habitational, Retail, Office, Real Estate
  • States: Primarily authorized nationwide


Residential Earthquake

This program offers admitted personal lines earthquake coverage in the states of California and Washington through a distribution force of retail and wholesale brokers.  Coverage is available to individually owned 1 - 4 family dwellings and condominiums.  Dwelling limits up to $5,000,000 are available.

Products and services

  • Monoline Earthquake

Target accounts

  • Newer dwellings
  • Older dwellings with documented Earthquake retrofitting
  • States: CA and WA only - Condominiums not available in Washington

California and Washington only - Condominiums not available in Washington


Beachfront Condominium Insurance in Florida

This program offers property coverage for superior-constructed high-rise beachfront condominium complexes in Florida.  ISO construction types include 5, 6 and 9.  This program also offers Property Ex Wind as well as DIC to wrap around limited Multi-Peril only coverages.

Products and services

  • Commercial Property Policy (All Perils) including Wind/Hail
  • Commercial Property Policy (All Perils) excluding Wind/Hail to coordinate with Citizens' Wind Only Policy
  • DIC Wrap Policy to coordinate with Citizens' Basic Perils Policy

Target accounts

All Perils Including Wind/Hail:

  • Superior Construction East of AIA
  • Condominiums / Apartments

All Perils Excluding Wind/Hail:

  • All Construction Types Except Frame
  • Condominiums / Apartments
  • Offices
  • Hotel / Motel
  • Mercantile

DIC Wrap:

  • Condominiums
  • Apartments


Coastal Catastrophic Exposed Personal Lines Property

This program offers Coastal catastrophic exposed personal lines property insurance targeting the high value homeowner in the Southeast and Gulf Regions of the U.S. Personal lines products include: Homeowners', Condominium, Earthquake, Umbrella, Stand-Alone Personal Lines Floaters and Excess Flood coverage. All business is written on a non-admitted basis.

Products and services

  • HO3, HO5, HO6 & DP3 policies (ALL Perils and Wind Only)
  • Equipment Breakdown
  • Write Your Own Flood (NFIP program sponsored by QBE)

Target accounts

  • Coastal high-valued personal lines property business in AL, FL, GA, MS, NC, SC, TX & LA


Coastal Wind CAT Exposed Homeowners

This program offers Coastal Wind CAT exposed homeowners, condominium units and small condominium association policies in the Northeast and Mid-Atlantic states.  For middle market to high-value home space. 

Products and services

  • HO3, HO6 & CMP policies
  • Equipment Breakdown

Target accounts

  • Coastal  personal lines property and small commercial lines condominium  business in MA, NY, NY, DE, MD & VA


Earthquake, Hurricane and AOP exposed property business 

This program offers Earthquake, Hurricane and all Other Peril exposed Property business, produced through a national wholesale broker network.

Products and services

  • California, Pacific Northwest and New Madrid Earthquake
  • Gulf coast, Southeast US and Eastern seaboard Wind/Hurricane
  • Fire/AOP

Target accounts

  • Commercial accounts under $50 million to $100 million in value
  • Primary occupancies written are: habitation, office, retail and hospitality 


Excess "All Risk" Property Program

This program offers non-admitted commercial "All Risk" property including windstorm and optional earthquake and flood coverage through a distribution force of wholesale brokers.  QBE offers both buffer and excess coverage. Coverage may be written for individual locations to nationwide accounts.

Products and Services;

  • "All Risk" including windstorm
  • Optional Earthquake and Flood
  • Capability to provide limits up to $40 million

Target accounts

  • Middle market and nationwide accounts - Real Estate, Office, National & Regional Chains, Hotel/Motel, Institutional, Governmental, Hospitals, Service/distribution, Habitational

States: Authorized nationwide


Flood insurance backed by the National Flood Insurance Program (NFIP) with QBE as its administrator.

Products and services:

  • Standard Dwelling Form (Residential)
  • General Property Form (Commercial)
  • Preferred Risk Policy for Residential & Commercial
  • Residential Condominium Building Association Policy (RCBAP) 

Target accounts:

  • Contracted in all 50 states and the District of Columbia


Locations Served : Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Washington,D.C., Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia, Wyoming