We're here to help you navigate the increasingly competitive property market, whether your clients focus on commercial and vacant property or real estate investor (REI) properties.

We'll work closely with you and across our entire team of RPS property specialists to craft a unique Excess and Surplus (E&S) approach for your primary property needs. We also offer tailored monoline Wind Deductible Buy Back and Terrorism Risk Insurance Act (TRIA) solutions.

  • A.M. Best A+ Rated carrier (non-admitted)
  • No TIV limits
  • Flexibility to write full, primary, and excess limits (up to $15M in house)
  • Longstanding program with skilled underwriting team
  • Coverages available: Monoline Property, Wind/Hail, Flood and Earthquake

Primary Property Insurance Program Highlights

 

Target Risks

This add-on solution can help insureds reduce the deductible to a lower percentage or flat rate on a primary wind policy in effect — great for clients in US coastal areas and those likely to experience weather-related events.

  • Flexible
  • Competitive rates, no minimum premiums
  • Experienced underwriting team

Our coverage offers a broad and tested definition of terrorism that has paid multiple claims across the country.

  • Limits available up to $250M for Property Damage and Business Interruption
  • Covered as standard: $1M Active Assailant; Sabotage; Threat and Hoax sublimit
  • Bespoke Terrorism Liability and Denial of Access non-property damage coverages available
  • $0 deductibles available
  • Full tailored coverage for unique risks available upon request

Meet Our Primary Property Program Team

Frequently Asked Questions

The RPS Primary Property Program is a flexible E&S solution for commercial, vacant and REI properties, offering primary, excess and full-limit coverage through an A.M. Best A+ rated, non-admitted carrier.

The program targets commercial and vacant properties — including office, retail, industrial, medical, warehouses, shopping centers and vacant buildings — as well as REI portfolios through property managers, individual investors and real estate investment trusts (REITs).

Yes, vacant buildings of all types are eligible, including properties with interior or nonstructural renovations, subject to underwriting review and supplemental applications.

RPS can provide up to $15 million in-house limits, with total insured values up to $75 million. Higher limits may be considered upon referral.

Available coverages include Monoline Property, Wind/Hail, Flood, Earthquake, Wind Deductible Buy Back and TRIA, allowing agents to tailor coverage to specific client needs.

Commercial and vacant property coverage is available in 48 contiguous states, excluding Louisiana, Oklahoma and Mississippi. REI coverage is available in all 48 contiguous states.

The minimum premium is $10,000 for primary property placements. Minimum deductibles are $2,500 for REI risks and $5,000 for commercial and vacant properties.

Commercial and Vacant Properties coverage

The following properties aren't eligible:

  • Windstorm and hail exposures in tier 1 counties
  • Any property on barrier islands, with or without wind
  • Severe brush-fire exposures
  • Properties related to the recycling, woodworking, pallet manufacturing or heavy manufacturing industries.

REI Property coverage

The following properties aren't eligible:

  • Any property on barrier islands, with or without wind; wood shake/shingle and T-lock roofs
  • Airbnb-listed properties
  • Risks with passenger transportation services
  • Section 8, HUD, subsidized, or student housing.