Our Areas of Specialization

Property Investors Protection Program

One80 designed this customized insurance program for residential property owners, investors, renovators and property managers. With extensive experience we understand the complexities of these risks and offer comprehensive coverages to meet the needs of your clients.

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Standalone Terrorism Program

When terrorism coverage is embedded into your property insurance program it is typically priced at 5-10% of property premium. One80's exclusive Terrorism Program allows you to place this coverage on a standalone basis at much more competitive rates, with premiums starting at just $200. One80 can quote, bind and issue policies in house.

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Wind Deductible Buyback Coverage

The typical Wind Deductible Buyback Coverage program structure is designed for Citizens Insurance wind only program with All Other Wind Deductible buy-back facility for other than named hurricanes allows policyholders options for reducing these very high deductibles.

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Citizens Policyholder Surcharge Coverage

The Citizens Policyholder Surcharge Coverage program is designed to limit the out-of-pocket expense due to large hurricane deductibles and statutorily mandated deficit recoupment charges.

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Citizens Wrap-Around (DIC) Program

The typical Citizens Wrap-Around (DIC) program structure is designed to broaden coverage by providing additional limits and coverage other than the Citizens basic perils property policy.

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Coastal Homes and Hard to Place Homeowners Program

We offer our own in-house programs specializing in Coastal Home Insurance and other hard to place personal lines products. Our in-house Lloyds programs also offer coverage for standalone collectibles, primary and excess flood, and for tough builders risks, including liability.

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Builders Risk Program

Protect the buildings owned by your insureds while they are under construction. They may catch fire, be damaged by high winds, or fall victim to other force majeure. A principle of common law is that any new construction or other improvement to land becomes property of the owner of the land— the title holder— once there has been an "improvement" to the owner's site. Make sure your clients are covered.

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Flood Program

One80 Intermediaries offers Private Market Flood solutions for residential condo associations and commercial property risks. We offer both primary and excess flood coverage; with excess flood to include Business Interruption coverage as well as excess on high dollar single family residences.

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Florida Condominium Property Program

The typical Florida Condominium Property program structure is designed Condominium Associations predominantly fire resistive and non-combustible construction with Insureds domiciled in Florida.

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Jeweler's Block Program

One80 offers a flexible insurance program to meet the needs of all types of high end retail, jewelry stores and specialty jewelry businesses such as manufacturing, retail, wholesale, repair, appraisal and custom design.

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Vacant Land Program

Despite all appearances to the contrary, vacant land can pose a significant liability risk. It all comes down to the possibility of an injury or other incident occurring on the property – don’t allow your clients to be responsible for their medical bills. Whether the client is actively using that parcel of land or not, because you they it, they will be held responsible.

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Vacant Building Program

Our team has access to market leading coverage and deep knowledge around insurance for vacant buildings. These are buildings that contain little or no furniture or other personal property. Many property insurance policies reduce limits or entirely eliminates coverage when a building has been vacant or unoccupied for a designated period of time such as 45 or 60 days.

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Parking Garage Program

The property market is dynamic as ever – especially in the state of Florida. As we see it continue to harden, there has been notable variance in pricing, deductibles, coverage, and/or capacity in the second half of the year. We view this as an opportunity to better serve you and your clients and with that, wish to share details on our Parking Garage Program.

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Inland Marine Programs

As an expert in Inland Marine insurance, One80 focuses on construction and transportation risks as well as other inland business segments. We offer exclusive construction programs for Builders Risks, which includes coastal construction with wind in much of the east Coast on A+ admitted paper. We also write Contractors Equipment Insurance, Installation Floaters, and more.

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Ocean Marine Programs

For three decades, brokers have turned to One80’s experts for advice and solutions related to Commercial Hull and P&I, Marine Contractors, Commercial Marine Facilities, Mono-Line Marine Liabilities, and Ocean Cargo.

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Pleasure Boats & Yachts

One80 offers in house binding authority through three separate programs to meet the needs of your pleasure boat and yacht risks. Our boat and yacht programs are all on A rated paper, are time-tested, and comprehensively structured.

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Recreational Marine Facilities

With three decades of underwriting experience, our Recreational Marine Facilities and Boat & Yacht programs are time-tested and comprehensively structured to serve the needs of your marine risks.

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Miscellaneous Professional Liability Program

In partnership with ALTRU, LLC / Old Republic Insurance Company, One80 Intermediaries has binding authority for Miscellaneous Professional Liability.

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Non Profit D&O Program

In partnership with ALTRU / Old Republic Insurance Company, One80 Intermediaries has full binding authority for nonprofit D&O.

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Community Association D&O and EPLI Program

Most community associations are operated by a board of directors (the “board”), usually made up of a small group of volunteer community members. Without adequate Directors and Officers (D&O) and Errors and Omissions (E&O) insurance, a lawsuit against an board member can leave the member responsible for paying legal costs, expenses, and even damages.

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Hospitality Program

Our flexible restaurant programs can include property, general liability, liquor, crime, data compromise, equipment breakdown, employee dishonesty, EPLI, cyber liability and garage-keepers. Preferred Restaurant Program for Family Style and Fine Dining Restaurants with in-house rating based on a combination of seats and gross sales.

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Restaurant Program

The Hospitality program offers the industry’s most broad, comprehensive and competitive coverage for Family and Fine Dining Restaurants in Texas, Florida, Colorado, California and Arizona. It is written on Tokio Marine’s A++ paper. Our Wholesale Practice has exclusive access to this Program allowing us to quote, bind and issue policies in house!

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Specialty Construction Program

With over 15 years experience in commercial insurance placements, program business and niche areas of construction, we provide expertise in specialty construction areas across the country. We have worked extensively with contractors in New York City – and provide market leading expertise around their labor laws, issues and concerns.

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Cargo Program

For over 20 years our experts at One80 Intermediaries have offered this exclusive Cargo Program for all major classes of business. We offer in house binding authority, deductibles starting at just $2,500, and companion coverages for General Liability, Property and Auto exposures.

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Auto Physical Damage Program

One80’s Automobile Physical Damage Program allows us to quote coverage in-house, providing you and your clients with market leading service. With flexible polities and deductible options, we offer coverage in all 50 states.

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Courier & Preferred Logistics Program

Nationwide Program designed for the Courier and Small Package Delivery space. Over 21 years in the marketplace, this is the premier program of choice for Logistics companies of all sizes.

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Freight Brokers Program

One80’s market leading Freight Brokers Program is available nationwide and allows us to quote, bind and issue policies in house. Further we offer package and contingent auto liability in on one policy form or monoline coverage.

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Medical Stop Loss

We are a specialty underwriter of Medical Stop Loss coverage for corporate clients across the United States. Medical stop loss provides an added layer of insurance protection to employers who choose to self-fund their health benefit plans. Our stop loss specialists are among the most experienced in the United States with deep expertise in underwriting, policy issuance, claims management and TPA administration. Our team has full authority to underwrite and manage stop loss business on behalf of some of the nation’s leading insurers.

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Cannabis Program

One80 is at the forefront of innovative insurance solutions tailored to the emerging cannabis industry. Our team of professionals understands both the ever changing regulatory environment and the needs of your clients throughout the cannabis supply chain – and with that provide comprehensive insurance coverage to all major cannabis classes of business.

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Hemp Crop Program

One80 intermediaries unique hemp crop product protects the hemp famer from the loss of revenue due to unpredictable weather conditions. The hemp protection is designed to assist the full range of hemp producers and addresses the needs of small farmers to full vertically integrated companies. Weather can leave adverse effects on the profitability of the famer but insuring those profits with the hemp protect product ensures longevity of the business and supports your clients.

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Shooting Range Program

One80 Intermediaries provides customized coverage for a broad scope of shooting ranges through our exclusive program. Available in 44 states our experts provide all major coverages to protect your clients, their businesses and their customers.

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Small Commercial Program

Small businesses are the backbone of our economy and One80 is dedicated to supporting this critical market segment by providing market expertise, best in class service standards, and access to leading carriers in the US and UK. We offer in house binding authority and wholesale brokerage services across all lines of coverage.

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Proprietary Programs

In addition to wholesale access, One80 builds tailored multi-state insurance programs in all 50 states for specialty industries, associations and groups of policy holders. The Proprietary services include underwriting, rating structures, policy issuance and regulatory compliance.

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