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USA Products

Property Insurance

The policies within Ironshore Property® insures against all risks of direct physical loss of or damage to property on a First Party Basis. Property insurance policies can incorporate both domestic and global exposure. Ironshore underwrites comprehensive coverages on commercial risks across virtually all classes within the General Property, Real Estate, Builders Risk and Energy sectors.

Our capacity is flexible and can be utilized in primary, first & second excess and high excess positions, as well as being utilized as a 100% layer market or quota share participants on shared and layered programs. Ironshore's policies will provide up to $25M in capacity targeted to mainly Quota Share or Excess placements for General Commercial Property, Real Estate and Energy, and up to $50m in capacity on Builders Risk.

General Commercial Property

This form of property coverage encompasses a broad range of property risks, including retail and wholesale operations, warehousing, restaurants, healthcare facilities, municipalities and institutions, amusement places, financial institutions, communications and service business.

Real Estate Property

Ironshore offers an extremely nimble and flexible approach to real estate property risks. Ironshore's Property insurance will insure a broad range of coverage requirements on exposures of office buildings, shopping malls, hospitality businesses (including casinos), schools and higher education facilities, condominiums, apartments, and housing authorities.

Energy Property

Ironshore underwrites comprehensive coverage on commercial risks across virtually all classes within the specialty Energy sector, which will include alternative energy, basic metals and glass, chemicals, cogeneration, drilling rigs (on shore only), electric utilities, gas plants, petrochemical, pulp and paper and refineries.

Builders Risk Property

Builder's Risk Property products provide property risk transfer solutions for global and domestic corporations with international and domestic capabilities. Property coverage is provided for project builders' risk programs utilizing broker forms or our Completed Value Builders Risk Policy which provides coverage for property in the course of construction including hot testing and delay in completion coverage, and includes both principals and contractors.

A five year construction term is offered. Ironshore underwrites the construction of civil engineering projects such as roads, bridges, tunnels, water treatment plants and buildings, as well as mechanical engineering projects for oil and petrochemical facilities, utilities and heavy manufacturing plants. Coverage will be provided for the construction work period, including the installation, assembly, erection, testing and commissioning of plant and machinery. Delay in start-up and phased operation coverages are also available from Ironshore.

Underwriting Characteristics
  • Led by premier industry executives
  • Capitalization with no pre-existing or purchased insurance
  • Focus on primary specialty markets with expertise to deliver underwriting excellence
  • Lean, flexible approach with the ability to identify and respond to opportunities in geographic areas and lines of business as they arise
  • Superb service
  • Customized insurance solutions for our insureds
  • Ability to attract the best industry talent