The following are general guidelines for Avondale's normal maximum capacity by region and peril. Please note: Avondale can increase its capacity by Special Acceptance up to $75,000,000.
Florida
Full Limit – Up to $20,000,000 per occurrence
Primary Limit – Up to $15,000,000 per occurrence
Excess Limit – Up to $20,000,000 per occurrence
Capacity can be used as All Risk including Windstorm/Hail or as specified peril Windstorm/Hail only. We are most successful writing full limit or offering a strong lead primary. We have a flexible deductible structure and broad occupancy appetite that includes office, habitational, condominium/co-op, mixed mercantile, restaurants, hotel/motel, lessors risk and shopping centers. Earthquake can be included, but flood is generally excluded across the state.
Texas
Full Limit – Up to $20,000,000 per occurrence
Primary Limit – Up to $15,000,000 per occurrence
Excess Limit – Up to $20,000,000 per occurrence
Capacity can be used as All Risk including Windstorm/Hail or as specified peril Windstorm/Hail only. While we are not a market for Tier 1 Texas exposure, we have been successful in providing competitive terms in Harris County and, subject to terms and conditions, remain open to business across the rest of the state. Our target occupancies include office, habitational, condominium/co-op, mixed mercantile, restaurants, hotel/motel, lessors risk and shopping centers. Earthquake can be included, but flood is generally excluded across the state.
All other Gulf
Full Limit – Up to $25,000,000 per occurrence
Primary Limit – Up to $15,000,000 per occurrence
Excess Limit – Up to $25,000,000 per occurrence
Capacity can be used as All Risk including Windstorm/Hail or as specified peril Windstorm/Hail only. We are generally not a market for exposure "south of I-10", but we have been successful providing competitive terms in other Tier 1 Counties including Orleans, St. Bernard and St. Tammany. Our target occupancies include office, habitational, condominium/co-op, mixed mercantile, restaurants, hotel/motel, lessors risk and shopping centers. Earthquake can be included, but flood is most often excluded.
Mid Atlantic
Full Limit – Up to $25,000,000 per occurrence
Primary Limit – Up to $15,000,000 per occurrence
Excess Limit – Up to $25,000,000 per occurrence
Capacity can be used as All Risk including Windstorm/Hail or as specified peril Windstorm/Hail only. We have been successful providing competitive terms in Tier 1 Counties from Maryland to South Carolina. Our target occupancies include office, habitational, condominium/co-op, mixed mercantile, restaurants, hotel/motel, lessors risk and shopping centers. Earthquake can be included, but flood would generally be excluded in Tier 1 counties.
Northeast
Full Limit – Up to $25,000,000 per occurrence
Primary Limit – Up to $15,000,000 per occurrence
Excess Limit – Up to $25,000,000 per occurrence
Capacity can be used as All Risk including Windstorm/Hail or as specified peril Windstorm/Hail only. We have been successful providing competitive terms in Tier 1 Counties including Long Island and The Cape and Islands. Our target occupancies include office, habitational, condominium/co-op, rehab-renovation, mixed mercantile, restaurants, hotel/motel, lessors risk and shopping centers. Earthquake can be included, but flood would be excluded in Zones A or V.
Midwest
Full Limit – Up to $25,000,000 per occurrence
Primary Limit – Up to $15,000,000 per occurrence
Excess Limit – Up to $25,000,000 per occurrence
Capacity can be used as All Risk including Windstorm/Hail or as specified peril Windstorm/Hail only. We have been successful providing competitive terms in St. Louis, Chicago and Minneapolis. Our target occupancies include office, habitational, condominium/co-op, mixed mercantile, restaurants, hotel/motel, lessors risk and shopping centers. Earthquake including New Madrid exposed property can be considered as part of our All Risk offering or stand-alone as specified peril Earthquake or DIC. Flood can be included outside of Zone A or V subject to underwriter review.
California
Full Limit – Up to $25,000,000 per occurrence excluding Earthquake or up to $10,000,000 per occurrence/annual aggregate when including Earthquake
Primary Limit – Up to $15,000,000 per occurrence excluding Earthquake or up to $10,000,000 per occurrence/annual aggregate when including Earthquake
Excess Limit – Up to $25,000,000 per occurrence excluding Earthquake or up to $10,000,000 per occurrence/annual aggregate when including Earthquake
Capacity can be used as All Risk including Earthquake or as specified peril Earthquake. We also have the option to offer stand-alone Earthquake coverage on market-standard DIC forms. We offer our capacity in all Zones including A1 & A2. Flood can be included outside of Zone A or V subject to underwriter review. Our target occupancies include office, habitational, condominium/co-op, mixed mercantile, restaurants, hotel/motel, lessors risk and shopping centers.
Western States excluding California
Full Limit – Up to $25,000,000 per occurrence
Primary Limit – Up to $15,000,000 per occurrence
Excess Limit – Up to $25,000,000 per occurrence
Capacity can be used as All Risk including Earthquake or as specified peril Earthquake. We also have the option to offer stand-alone Earthquake coverage on market-standard DIC forms. We offer our earthquake capacity in all areas including King County, WA. Flood can be included outside of Zone A or V subject to underwriter review. Our target occupancies include office, habitational, condominium/co-op, mixed mercantile, restaurants, hotel/motel, lessors risk and shopping centers.
Note: Exceptions to all the above Limits can be and are made by our underwriters on a case-by-case basis.