$10M Maximum limit
Perils: Named Windstorm and Severe Convective Storm
Territory: All 50 States, excluding Puerto Rico, Guam & USVI
Eligible Classes:
Minimum Insured Retention: $10,000
Minimum Premium: $5,000
Enables insured to convert their existing Per Occurrence deductible to a Calendar Year deductible
Provides coverage for second and subsequent CAT wind events
Competitive pricing compared to traditional WDBB
Maximum Limit: $10M
Maximum Limit: $225,000 any one occurrence / $675,000 in the aggregate per risk
Territory: All 50 States, excluding Puerto Rico, Guam & USVI
Minimum Insured Retention: $10,000
Minimum Premium: $10,000
Maximum Limit: $10M
Territory: All 50 States
Minimum Insured Retention: $25,000 or $100,000 for TIV’s over $100M
Minimum Premium: $5,000
Maximum Policy Period: 36 Months
Available on a prior submit basis
Perils: Earthquake, Earth Movement, Coastal & Inland Flood
Territory: All 50 States, excluding Puerto Rico, Guam & USVI
Minimum Premium: $5,000
The descriptions of these programs are only a summary of available coverages. Actual policy language will dictate the scope of coverage in the event of a claim. We encourage agents to read the full policy form and any applicable endorsements for full terms and conditions and encourage their policyholders to do the same. JEM Underwriting Managers, LLC, is a Delaware limited liability company based in Illinois. JEM Underwriting Managers, LLC, is a subsidiary of RSG Underwriting Managers, LLC, which is a subsidiary of Ryan Specialty, LLC. JEM Underwriting Managers, LLC, works directly with brokers, agents and insurance carriers, and as such does not solicit insurance from the public. Some products may only be available in certain states, and some products may only be available from surplus lines insurers. In California: JEM Managers Insurance Services, LLC (License #6006842). ©2026 Ryan Specialty, LLC