Property

For All Products

MAX TIV: $3.5B

TERRITORY: All 50 States, excluding Puerto Rico, Guam & USVI

Primary Property

All Risks (including CAT) or Named Perils

  • Fire
  • Wind 
  • Earthquake
  • Flood (excluding stand-alone)
  • Wildfire

Equipment Breakdown Available

Available on a Primary or Full Value basis

  • Primary Limits: $35M
  • Full Value Limits: $60M
  • $25M max single fire PML

Excess Property

All Risks (including CAT) or Named Perils

  • Fire
  • Wind 
  • Earthquake
  • Flood (excluding stand-alone)

Up to $100M per risk limit

No minimum attachment

Difference in Conditions

Coverage available for DIC including:

  • Earthquake or Earth Movement
  • EQ/EM Sprinkler Leakage 
  • Flood

Limits available on a primary, excess, or coinsuring basis

  • $25M Max limit for DIC including EQ / EM
  • $10M max limit for DIC including EQ / EM and Non-High Hazard Flood
  • $5M max limit for DIC including EQ / EM and High Hazard Flood
  • No standalone Flood exposures

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