Business Insurance

Insurance for Unprotected Properties

Hard-to-place property risks require the right insurance solutions.


Insurance Overview

Unprotected Properties Face Severe Risks

Under the ISO fire rating system, a property is classified as unprotected if it doesn’t have adequate fire hydrants in the area or a fire department nearby, such as in rural locations. The more inaccessible the property, the higher the risks—which makes property insurance a priority. ProSight offers comprehensive coverage that addresses the catastrophe and non-catastrophe E&S risks that could affect unprotected properties under fire protection classes 9 and 10, including:

  • High Winds
  • Earthquakes
  • Fire
  • Severe Convection
  • Prior Claims History

Capacity/CAT Coverage

  • Up to $25M capacity for optimal risks
  • $5M-$10M working line capacity, including critical CAT (Florida wind, California earthquake)
  • TIVs < $1B
  • Full limits, first loss, quota share, buffer/excess
  • ISO and related forms for most offerings

Our Customized E&S Property Approach

ProSight delivers comprehensive insurance solutions through a unique approach that combines three defining attributes for business success.

Underwriting Expertise

by an expert team of creative problem solvers with a collaborative mindset.

Focused Distribution

through wholesaler relationships where we can provide the most value to targeted businesses.

Innovative Approach

that combines unparalleled service, modern risk capabilities, and an emphasis on technology.

Meet Our Experts

Extensive underwriting experience in the E&S property insurance space means we deliver expertise you can count on.


Bill Steinberg, CPCU, ASLI
Senior Vice President, Property

Meet Bill

Stephen Nadeau, CPCU, CIC, ASLI, ARe
Senior Vice President, Property

Meet Steve

Our property coverage is available on a non-admitted basis through selected wholesale brokers.


Policies are issued through licensed E&S brokers and may not be available in all jurisdictions.