Louisiana Commercial Property Program Highlights

Louisiana Commercial Property Program Highlights

Program Specs
Carrier: Lloyd’s of London
A.M. Best Rating: A-
Excess & Surplus

Underwriting Guidelines

Minimum Premium:  Starting at $250

Maximum TIV Available: $2,000,000 per account
AOP Deductibles Available:  $1,000 / $2,500 / $5,000 / $10,000
Windstorm/Hail Coverage Deductibles: 1% / 2% / 3% / 5%
Property Distance To Coast Restrictions: None
Co-Insurance Available: 70%-100%
Wind Available in Select Counties 


Additional Coverages Available:  Mold, Water backup, Ordinance & Law, Theft, Property Enhancement Endorsement


The following zones parishes in Louisiana do not have wind/hail coverage or named windstorm coverage available:

                                                                                      Wind/Hail is excluded in following Louisiana Parishes below
ZONE 3
ZONE 4
ZONE 5
Ascension                   Tangipahoa 
     Acadia                   Plaquemine 
Cameron
Beauregard                  Washington
Assumption           St. Bernard
Iberia
East Baton Rouge      West Baton Rouge
Calcasieu St.               Charles
Jefferson 
East Feiciana              West Feliciana
Cameron                St. James
Lafourche
 Evangeline                                         
         Iberia           St. John the Baptist
Orleans
Iberville                                       
Jefferson                  St. Martin
Plaquemines
   Livingston                                         
Jefferson Davis            St. Mary      
St. Bernard
  Pointe Coupee                                      
  Lafayette St.              Tammany    
St. Mary
S. Helena                                       
   Lafourche                 Terrebonne   
Terrebonne
St. Landry                                         
  Orleans                     Vermillion   
Vermillion

Find attached the Louisiana Underwriting Guidelines.

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