CrossCover is a direct excess and surplus (E&S) property market that gives us real-time, bindable quotes on small commercial property risks, with no ACORDs or supplemental applications.
CrossCover is a direct excess and surplus (E&S) property market, not a wholesaler. They focus on property-driven small commercial risks across the country and quote and bind in real time through their platform. Because we work with them directly, we can turn around hard-to-place property quotes quickly without the back-and-forth of a traditional surplus-lines submission. Their sweet spot is total insured value (TIV) of $10 million and under, and flood and earthquake options are available.
Monoline property. Standalone property coverage for small commercial buildings on an all-risk special form, with equipment breakdown and flood and earthquake options.
Property and general liability. A packaged property and premises liability program for select classes. General liability is written only as part of a package, not on a standalone basis.
Apartments and single-family rentals, condos and HOAs, offices, retail and strip centers, restaurants and bars, hotels and motels, churches, schools, gyms and country clubs, auto garages and dealerships (no vehicle inventory), gas stations and convenience stores, laundromats, machine shops, warehouses, self storage, parking garages, nursing homes and urgent care, and vacant or idle buildings.
Total insured value over $10 million, Tier 1 oceanfront property, buildings in active or planned structural renovation, heavy loss history, and higher-hazard industrial or manufacturing such as recycling, woodworking, food processing, chemical, and plastics. For the general liability package specifically, Florida and the five boroughs of New York, and classes such as contractors, habitational, healthcare, and hospitality. Eligibility always depends on the full risk, and we confirm fit before we quote.
Real-time, bindable quotes with no ACORDs or supplemental applications. Because we work with CrossCover directly rather than through a wholesaler, placement is faster and better controlled. It is a strong option for habitational, lessors risk, vacant buildings, and other property risks that standard carriers decline, written nationwide with catastrophe options.
We may turn to CrossCover for small commercial property at $10 million TIV and under, especially hard-to-place property that needs a fast quote. As an E&S placement, coverage terms and forms differ from standard admitted policies, which we explain before binding.
This page is about market access, not policy service. For claims, billing, or payment contacts, use the Carrier Directory, or start a request in the Service Center.
Vantage Point Risk is an independent insurance agency. Carrier availability, coverage options, eligibility, pricing, and underwriting decisions vary by state, coverage type, business operations, property details, claims history, and carrier appetite. Mention of an insurance company does not guarantee availability, appointment status, eligibility, or placement with that company.
Habitational, lessors risk, vacant buildings, restaurants, retail, hospitality, or self storage. Tell us about the property and we will see whether CrossCover or another market is the right fit.