Insurance

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ENH Managers Inc.

Overview

ENH Managers Inc. is a managing agency that underwrites business produced on a wholesale platform on behalf of Endurance. ENH Managers Inc. offers property and casualty coverage on a non-admitted basis, produced by our network of wholesalers and brokerages. Our experienced underwriting team helps clients place unique risks that others will not write.

Target Clients

ENH Managers Inc. targets small to medium-size risks that are traditionally hard to place due to their size. Exhibiting a low exposure to frequency and moderate exposure to severity, target risks include, but are not limited to:

• New entities and products
• Unusual exposures (including recreational)
• Risks with location restrictions
• Nonstandard classes of business

Products

Capacity

Casualty Business

• In-house limits available up to $1M per occurrence/$2M aggregate.
• Attachment points will be first dollar or over a small ($2,500 or less) deductible

Property Business

• Writes risks with TIVs of up to $5M per location. This capacity, while generally utilized on a primary basis, will also be utilized infrequently on a quota share or first loss basis.

Restrictions

• Earthquake: ENH Managers will not write earthquake in earthquake exposed areas.
• Wind: If wind coverage is available by pool or association, will exclude the peril altogether. If wind is not available by pool or association in wind-exposed areas, deductibles (typically 5% to 10% of TIV, including loss of use) will be used to mitigate exposure. Additionally, will generally require brick construction or better in wind exposed areas.

Minimum Premium

• Minimum policy premium of $2,500

Policy Forms

• Generally follow ISO, with additional company-specific exclusions and coverage parts

Underwriting Capabilities

• Highly experienced underwriting team, adept at understanding, handling and supporting complex and challenging accounts
• Service-oriented team provides wholesalers and brokerages with prompt claims and coverage responses
• Appointing only a select number of wholesalers and brokerages builds long-term relationships and provides them with a competitive advantage

Submission Requirements

• Standard applications and supplements
• 5 years of currently valued carrier loss runs
• Complete outline of all operations
• Statement of values provided in an electronic format to include: address with zip code, construction, occupancy, year built, number of stories, square footage of building(s) and values by coverage