Property Buffer and Excess Coverage Program

Offered by Breckenridge Insurance

Buffer Layer Excess Property


In partnership with an A.M Best A Rated, class XV carrier, the Breckenridge buffer and excess program provides increased property coverage limits and added protection above an insured’s primary property policy. With limits up to $5 million and attachment points as low as $1 million, this flexible coverage suits a broad range of property appetites from commercial and office buildings to real estate investor property schedules, vacant buildings, warehouses, shopping centers, schools and more.

Limits & Attachment Points

  • Limits up to $5 million per occurrence
  • Attachments points as low as $1 million

Target Classes

  • Real Estate Schedules
  • Offices
  • Retail
  • General commercial, mercantile and service industries
  • Habitational, Apartment and Condominium schedules (excess only on frame Apartments)
  • Strip Malls and Shopping centers
  • Vacant Buildings
  • Distribution and Storage warehouses – low hazard
  • Light Manufacturing – low hazard
  • School & Municipal schedules
  • Hotels (modern only)

Excluded Classes

  • Accounts with a TIV of more than $100M
  • Oil, Gas & Petrochemical industries
  • Ocean Marine
  • High hazard manufacturing risks
  • Wood workers / Lumber risks
  • Recyclers or Waste Managers
  • Stand alone: Business Interruption, Flood, Earthquake or DIC
  • Standalone T&D lines, Communication towers
  • Piers, Wharves & Docks
  • Agriculture / Food Processing
  • Exposure outside of the US

Submission Requirements

  • Completed ACORD Application and SOV for multiple locations
  • Expiring and/or target premium
  • Loss runs


Appointment Required

Offered By

Breckenridge Insurance

37 listings in 50 states + DC

View Company

Downloadable Files

Availability 50 states + DC

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming


Not Covered

Share This Listing

Contact This Company