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Hinterland Insurance
E&S · Commercial Package

Commercial Package Insurance

Property and liability, individually underwritten in a single policy. Every risk is individually assessed by an underwriter, up to $60M TIV, backed by A.M. Best A Rated capacity.

Maximum TIV
$60,000,000
per schedule
Per Building Limit
$15,000,000
any one location
Minimum Premium
$10,000
per policy
Carrier Rating
A.M. Best A
or better
Property + Liability
One policy
A Rated carriers
A.M. Best A or better
In-house authority
Delegated underwriting
Available in the United States
Written in 48 states
Program Details
Maximum TIV
$60,000,000
per schedule
Per Building Limit
$15,000,000
any one location
Minimum Premium
$10,000
per policy
Carrier Rating
A.M. Best A
or better
Authority
In-House
delegated
Structure
Property + Liability
single policy
Risk Appetite

What we write.

LRO · Lessor's risk only
Apartments · Garden-style, mid-rise, walk-up
Condos & HOAs · Common-interest associations
Warehouses · Light industrial, storage
Office Buildings · Class A–C, single and multi-tenant
Commercial Dwelling · Schedules of 1–4 unit dwellings
Availability

Written in 48 states.

Capacity is broadly available. Hover or tap a state for status.

Covered
Limited capacity
Not covered
Maine: availableMEAlaska: not currently writtenAKWisconsin: availableWIMichigan: availableMIVermont: availableVTNew Hampshire: availableNHWashington: availableWAIdaho: availableIDMontana: availableMTNorth Dakota: availableNDMinnesota: availableMNIllinois: availableILIndiana: availableINOhio: availableOHPennsylvania: availablePANew York: limited capacityNYMassachusetts: availableMAOregon: availableORUtah: availableUTWyoming: availableWYSouth Dakota: availableSDIowa: availableIAMissouri: availableMOKentucky: availableKYWest Virginia: availableWVVirginia: availableVANew Jersey: availableNJConnecticut: availableCTRhode Island: availableRICalifornia: availableCANevada: availableNVColorado: availableCONebraska: availableNEKansas: availableKSArkansas: limited capacityARTennessee: availableTNNorth Carolina: availableNCDistrict of Columbia: not currently writtenDCDelaware: availableDEMaryland: availableMDArizona: availableAZNew Mexico: availableNMOklahoma: availableOKLouisiana: limited capacityLAMississippi: limited capacityMSAlabama: limited capacityALGeorgia: availableGASouth Carolina: availableSCHawaii: not currently writtenHITexas: limited capacityTXFlorida: limited capacityFL

Available: Maine, Wisconsin, Michigan, Vermont, New Hampshire, Washington, Idaho, Montana, North Dakota, Minnesota, Illinois, Indiana, Ohio, Pennsylvania, Massachusetts, Oregon, Utah, Wyoming, South Dakota, Iowa, Missouri, Kentucky, West Virginia, Virginia, New Jersey, Connecticut, Rhode Island, California, Nevada, Colorado, Nebraska, Kansas, Tennessee, North Carolina, Delaware, Maryland, Arizona, New Mexico, Oklahoma, Georgia, South Carolina.

Limited capacity: New York, Arkansas, Louisiana, Mississippi, Alabama, Texas, Florida.

Not currently written: Alaska, District of Columbia, Hawaii.

How to Submit

From submission to bind.

01
Submit
Email complete submission to Commercial@hinterlandins.com. Loss runs to lossruns@hinterlandins.com.
02
Review
A named underwriter picks up the file, requests any missing diligence, and confirms receipt.
03
Firm Quote
Quote issued once all diligence items and any needed engineering reports are in hand.
04
Bind
Bind orders honored up to policy effective date. Binder issued once bind is instructed.
Submission Checklist
Send these to move fast.
Commercial@hinterlandins.com
ACORD Application Fully completed ACORD 125 + 140 with signatures
Liability Supplemental Operations, payroll, subcontractor use, and prior liability claims
Currently Valued Loss Runs 5 years, carrier-issued, currently valued within 60 days
SOV in Excel Format Locations, TIV, construction, year built, protection class, occupancy
Target Premium Expiring premium or broker target to align coverage structure
Narrative / Cover Letter Context on claims, vacancy, renovations, protective safeguards
FAQ

Common questions.

Package combines both coverages under a single, individually underwritten policy with Hinterland holding the pen, rather than coordinating two separate placements and renewal dates.

Have a package risk to place?

Every risk is individually assessed by an underwriter. Complex, distressed, and hard-to-place accounts are the program's core focus, not an exception.

Get appointed