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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 War & Terrorism.

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 and Real Estate 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.

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.

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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.

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War & Terrorism

Terrorism is a constant and evolving problem for modern day business. Our specialist underwriting team focuses on helping to protect businesses from terror events, civil commotions, or other covered occurrence by providing coverage that is tailored to each client's needs.

We focus specifically on complex issues and work to deliver sophisticated solutions that provide our clients with the confidence to operate in unpredictable environments.

Product Information
We insure a business's tangible assets, such as buildings and contents, as well as loss of income and extra expenses incurred due to business interruption following a covered event. We offer options for malicious damage, theft and vandalism.

Third party liability for damage to property and/or bodily injury is also available.

Our Coverage

  • Terrorism and sabotage
  • War and other political violence
  • Strikes, riots and civil commotion
  • Terrorism liability
  • Nuclear, chemical, biological and radiological- including clean-up/removal of contaminant

Target Markets

  • Real Estate
  • Hospitality
  • Habitational
  • Retail
  • Municipalities
  • Schools
  • Places of worship
  • Manufacturing
  • Healthcare
  • Energy
  • Construction

Line Size

  • Limit up to USD 250M
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
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