AmRisc, LLC
Loxley Insurance Services, a subsidiary of AmRisc Insurance Services, LLC
License #0I10914
  • Underwriting Territory
    • California Exposures
  • Earthquake Underwriting
  •  Information Requirements
    • Original year built
    • Type of construction
    • Number of stories
    • 100% values for each line of coverage
    • Occupancy
    • Type of parking (subterranean, tuck under, grade level, etc.)
  • Flood Coverage (in conjunction with Earthquake coverage)
    • Flood Zones B, C, X, and Shaded X
    • No Flood Zones A, D, or V exposures

  • Eligibility
    • ALL construction – 1975 or newer, except Wood Frame Construction 1970 and newer
    • Frame habitational over reinforced subterranean parking
    • No TIV restrictions
  • Excluded
    • No Frame habitational over unreinforced subterranean parking
    • No buildings over “tuck under” or soft story parking, regardless of age
  • Coverage Forms
    • Loxley manuscript & selected ISO forms

  • Capacity
    • A+ XV rated, non-admitted carrier

  • Submission Requirements
    • Statement of Values (SOV)
    • Hard copy 5-year loss history or loss letter signed by insured
  • Increased Capabilities
    • Building Ordinance coverage offered as sublimit
    • Maintenance Fees on HOAs
    • Sublimits up to $500,000 for the following:
      • - Landscaping and irrigation systems
      • - Streets,walkways, and other similar paved surfaces
      • - Sports Courts
      • - Underground utilities
Policy Terms
Minimum Deductible
Minimum Premium
  • DIC Earthquake/Flood Limit: $10M
  • Inspection Fees: $150 per policy
  • Policy Fees: $150 per policy
  • AOP: $25,000
  • Earthquake: 5%
  • Flood: 5%
  • Flood $50,000 per occurrence per location in Zones C and X
  • $250,000 per occurrence per location in Zones B and Shaded X
  • Time Element Coverage: Fifteen (15) day waiting period
  • Range from $5,000-$20,000
  • Varies based on county and/or PML Minimum Premiums
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  • Minimum Earned Premium: 25%
Contact Information
Debra Whitla, Team Manager
281.257.5154
dwhitla@amrisc.com
   
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