Property - North America

Insurance for North America’s Large and Middle-Market Clients

At HWS Specialty, we deliver property insurance solutions tailored to the needs of large and middle-market clients across North America. Our team combines Fortune 500-level experience with deep industry knowledge to address complex risk challenges and provide coverage that aligns with your unique needs.

How We Help

We specialise in supporting North American property clients with the following characteristics:

  • Asset Values: USD $250M to USD $10B+
  • Transitioning from Admitted Placements: Due to losses, lack of appetite, weather/natural catastrophe aggregates, COPE information, risk protections, or other unique circumstances.
  • Currently in the E&S Market: Seeking policies with sub-limits that resemble domestic placements.

Find out more about how we can help:

Contact us

A Property Facility for up to USD$50m.

Limits

  • Up to USD 50m any one risk

​Preferred classes

  • This facility will look at most occupancies, apart from Apartments

Parameters

  • Maximum TIV USD 500m
  • Minimum Premium USD 100,000

​Exclusions

  • Energy risks
  • Apartments
  • Californian Earthquake
  • Flood A and V zones
  • Named Windstorm TX to VA

Submission Form

Wind/Hail, Quake and Flood Deductible Buy Back. This is an interlocking cover to a main property programme.

Limits

  • Up to USD 5m any one risk

​Preferred classes

This facility can consider most situations, examples:-

  • Severe convective storm in the midwest
  • Beach front hotels and real estate
  • V zone Flood buy backs​

Parameters

  • Minimum Premium USD 50,000
  • Attachment point typically 0.50% of a location value.​

​Exclusions

None​​​

Submission Form

We can support developers that have a healthy pipeline of projects in a year.

Limits

  • Up to USD 65m any one risk

​​Preferred classes

This facility will look at most occupancies, from Frame Apartments through to Fire Resistive Hotels.

​​Parameters

  • Maximum TIV USD 100m
  • Minimum Premium USD 200,000
  • Some restrictions on Cat perils​

Exclusions

  • Energy risks
  • Civil engineering
  • Rehabs, where the existing struct

Submission Form

Our Binder Business offers high-volume, low-premium solutions through delegated authority, providing fast and efficient coverage for standardised/niche risks.

Contact us

Read Our Case Studies

At HWS Specialty, we've assisted numerous clients, covering property in North America. See a selection of case studies below.

Apartment Schedule

How HWS Specialty supported a large apartment schedule.

Read More

Plastic Extruder & Food Bag Printer

How HWS Specialty supported a food plastic bag manufacturer.

Read More

Excess Stock On A Warehouse Operator

How HWS Specialty assisted a warehouse operator ultimately protect their balance sheet.

Read More

Bespoke insurance to protect you and your business.

Other Expertise & Solutions

Special Risks

Fine Art & Specie

Claims Management

Corporate & Commercial

Our Locations

United Kingdom

1 Lloyd’s Avenue
London EC3N 3DQ
+44 20 7398 9000

France

75 Boulevard Haussmann
75008 Paris
+33 (0)1 42 68 52 88

Greece

10 Skouze Str.
Third Floor
Gr-185 36 Piraeus
Greece
+30 210 4512165

Australia

Level 4, 99 Bathurst St
Sydney NSW 2000
+61 2 9495 6500