Catalytic Risk Managers offers "Wind/Hail Only" and "Property All Risk" products on a non-admitted basis along with Earthquake and Flood coverage to commercial property owners in Florida and the coastal regions of the Gulf, Carolinas, Mid-Atlantic and the Eastern Seaboard. In addition, Catalytic offers several additional products, including "Wind/Hail Deductible Buybacks" and Wind/Hail coverage for "Named Storm Only" and "Hurricane Only."

We work exclusively with regional or national wholesale brokers employing a conservative, but opportunistic risk selection strategy to provide coverage on:

  • Buildings
  • Business Personal Property
  • Tenant Improvements or Betterments
  • Business Income
  • Rental Value
  • Additional Property

Ordinance or Law, Mold Clean-Up and Removal and TRIA coverage is written on an optional basis.

Target accounts include:

  • Ground Up, Primary, Excess and Quota Share
  • TIV’s less than $500,000,000
  • National accounts with Wind/AOP, Flood and Earthquake exposure can be considered on an individual account basis
  • Flood coverage available in SHFA’s; zones A and V; written in conjunction with wind and/or all peril. Our appetite is coastal flood coverage and not inland waterway or zone exposures
  • Commercial Habitational (condominiums and apartments). We do not target un-sprinklered wood frame construction in the fire PML
  • Office Buildings & Real Estate
  • Hotels & Motels
  • Retail
  • Hospital & Healthcare
  • Restaurants; non fast food
  • Public Entity; including Government, Municipal and School Boards
  • (Other occupancies are also eligible)

Catalytic is happy to offer full limit quotes for accounts with TIVs below $35,000,000. All business is subject to our Underwriting Guidelines and per risk capacity may vary by territory and account characteristics.

For more information on our Wind/AOP product, please contact Sam Ramsey at or (303) 551-1549.

E-mail submissions to:

(Submissions can be cleared no earlier than 90 days prior to effective date. Please include the name of the underwriter you would like to work with or one will be assigned to you.)