Hudson Property Programs are underwritten on a single state or regional basis for general property, inland marine, builders’ risks and forced place fire property products. These programs are written through select Program Administrators on a single state or regional basis. We write relatively homogeneous risks and participate in a primary position, not as an excess carrier. We will consider Florida and Gulf Coast wind exposures, but not as a preferred class. Maximum policy limits provided are $10,000,000. Program Administrators interested in participating in these areas should be able to provide detailed exposure data for catastrophe modeling and portfolio analysis.

California Difference in Conditions (DIC) Program

Difference in Conditions (DIC) covers excess insurance for properties located in California with large and small accounts eligible for consideration. The DIC Program features include:

• Insurance written on Hudson Specialty Insurance Company paper (non-admitted)
• Maximum policy limit of $5,000,000
• Property Damage and Business Interruption coverages
• Capacity offered in middle excess and high excess layers
• Extensive library of forms to suit individual insureds’ needs

New York State Habitational and Mercantile Program

The Hudson Habitational and Mercantile (H&M) Program specializes in properties located in New York State that are either habitational or habitational with mercantile. Our Program Administrator operates exclusively through wholesale brokers and the program features include:

• Written on Hudson Insurance Company paper (admitted)
• Maximum policy limit of $10,000,000 on a primary basis
• Property Damage and Business Interruption coverages
• Minimum deductible generally $5,000, but certain classes are eligible for $2,500

Contact: Mike Gleeson