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Hinterland Insurance
E&S · Commercial Property

Commercial Property Insurance

Every risk is individually assessed by an underwriter, not an algorithm. Up to $60M in total insured value (TIV) per schedule, backed by A.M. Best A-rated capacity.

Maximum TIV
$60,000,000
per schedule
Per Building Limit
$19,000,000
any one location
Minimum Premium
$10,000
per policy
Carrier Rating
A.M. Best A
or better
Full & primary limits
Up to $60M TIV per schedule
A-rated carriers
A.M. Best A or better
In-house authority
Delegated underwriting
Available in the United States
Written in 47 states
Program Details
Maximum TIV
$60,000,000
per schedule
Per Building Limit
$19,000,000
any one location
Minimum Premium
$10,000
per policy
Carrier Rating
A.M. Best A
or better
Authority
In-House
delegated
Limit Options
Full + Primary
single layer
Risk Appetite

What we write.

LRO · Lessor's risk only
Apartments · Garden-style, mid-rise, walk-up
Warehouses · Light industrial, cold and dry storage
Office Buildings · Class A–C, single and multi-tenant
Retail & Strip Malls · Neighborhood, community, power centers
Commercial Dwelling · Schedules of 1–4 unit dwellings
Availability

Written in 47 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: availableNYMassachusetts: 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: not currently writtenSCHawaii: not currently writtenHITexas: limited capacityTXFlorida: limited capacityFL

Available: Maine, Wisconsin, Michigan, Vermont, New Hampshire, Washington, Idaho, Montana, North Dakota, Minnesota, Illinois, Indiana, Ohio, Pennsylvania, New York, 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.

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

Not currently written: Alaska, District of Columbia, South Carolina, 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. Modeling tools can speed this up; timing still depends on the risk.
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
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
Photos (recommended) Exterior and roof photos help on older or distressed risks
FAQ

Common questions.

$60,000,000 per schedule with a $19,000,000 per-location limit. For exposures above this, Hinterland can layer primary and excess with partner carriers. Reach out to your underwriter to structure it.

Have a property risk to place?

Every risk is individually assessed by an underwriter. If it has vacancy, prior losses, or an occupancy other markets decline, send it to Hinterland first.

Get appointed