Commercial Property Insurance
Property Has Been Our Foundation Since 1979.
From Main Street commercial buildings to complex CAT-exposed schedules, Program Underwriters gives independent agents admitted and E&S commercial property solutions backed by decades of underwriting experience, market relationships, and in-house authority.
Built to Solve Property
More Than a Standard Property Market
PUI gives independent agents access to admitted and non-admitted property solutions for straightforward accounts, complex placements, CAT exposure, and risks that fall outside traditional carrier appetite.
All Perils
Admitted and E&S solutions for commercial property risks ranging from Main Street accounts to more complex schedules.
Wind Only
Dedicated solutions for accounts needing standalone wind coverage or alternative structures in CAT-exposed territories.
Deductible Buyback
Options designed to reduce qualifying wind, hurricane, named-storm, and other property deductibles.
DIC & Wraps
Difference in Conditions and layered structures that can help address gaps within complex property programs.
Builders Risk
Property solutions for eligible construction, renovation, and development projects.
Lessors Risk
Commercial real estate solutions for eligible office, retail, warehouse, mixed-use, and other lessors risks.
Property Underwriting Since 1979
Florida Property Isn't a Side Line for Us.
Commercial property has been at the core of PUI since our beginning. Through changing markets, tightening capacity, carrier exits, CAT events, and shifting appetites, our team has remained focused on helping independent agents get property risks placed.
Target Industries
Broad Commercial Property Appetite
From habitational and commercial real estate to industrial, healthcare, education, and construction risks, PUI reviews a wide range of property opportunities.
Apartments & Habitational
Apartments, rental dwellings, condominium risks, and other eligible habitational properties.
Commercial Real Estate
Lessors risk, commercial schedules, office buildings, retail properties, and investment real estate.
Shopping Centers & Retail
Eligible shopping centers, storefronts, retail operations, and commercial centers.
Restaurants & Hospitality
Restaurants, bars, hospitality operations, and eligible resort exposures.
Office & Mixed-Use
Office buildings, professional occupancies, mixed-use structures, and related commercial risks.
Warehouses & Distribution
Warehouses, distributors, wholesalers, and eligible storage-oriented commercial operations.
Manufacturing & Industrial
Eligible manufacturing, industrial, and specialized commercial property risks.
Medical Facilities
Hospitals, clinics, laboratories, medical facilities, and related healthcare occupancies.
Schools & Houses of Worship
Educational institutions, municipalities, houses of worship, and other qualifying institutional risks.
Vacant & Foreclosed Property
Eligible vacant buildings, foreclosures, and other non-standard real estate exposures.
Recycling & Environmental
Recycling centers and eligible environmental property exposures.
Construction & Renovation
Builders risk and property coverage for qualifying construction and renovation projects.
When Standard Isn't Enough
Flexible Structures for Complex Property
Some property risks need more than a standard all-perils policy. PUI helps agents structure specialized solutions when exposures, deductibles, values, or coverage needs demand more flexibility.
Wind Only
Standalone wind solutions for eligible CAT-exposed accounts.
DIC / Wraps
Structures designed to complement or wrap existing coverage.
Deductible Buybacks
Options to reduce qualifying property deductibles.
Loss Limits
Alternative structures for qualifying schedules and exposures.
Stock Throughput
Coverage options for inventory moving through the supply chain.
Equipment Breakdown
Additional protection for eligible mechanical and electrical exposures.
Builders Risk
Construction and renovation protection for eligible projects.
Coverage Enhancements
Broader options where qualifying risks need expanded protection.
Why Agents Use PUI
Property Underwriting That Moves
Market access matters. So does having an underwriting team that understands the account, responds quickly, and helps you find the right structure.
Market Access & Authority
- Admitted and non-admitted property markets
- In-house binding authority
- Standard and complex placement options
- Wind and CAT-exposed solutions
- Flexible coverage structures
Responsive Underwriting
- Quick appetite review
- Direct underwriter communication
- Efficient submission handling
- Experience with complex Florida property
- Long-term independent agency partnership
Have a Property Risk?
Put PUI's Property Experience to Work.
Send us the account. Our underwriting team will review the risk, determine the best available path, and help you move the placement forward.
submissions@programunderwriters.com | 800-432-8185