Protecting Property and Assets

Jencap’s property team have a wide range of experience with various occupancies and have unparalleled specialization in designing, implementing, and servicing complex property insurance and reinsurance programs. Our highly technical team critically reviews policy language and carefully compares carrier forms and manuscript forms, so we can negotiate the best terms, inclusive of comprehensive coverage, for your clients, irrespective of market conditions. . We welcome the challenge of CAT-exposed property, vacant buildings, a wide range of construction projects, accounts with challenged claims history, new ventures, and more. From open brokerage, to binding authority and exclusive programs, we set you and your client up for success every time.

Open Brokerage/Large Accounts Target Industries

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Agricultural/Food – Processing; Wineries; Crop

Builders Risk – New; Renovation; Mid-Build

Dealers Open Lot/Garage Liability


Health/Science/ Pharmaceuticals

Hospitality – Budget to Destination Resort; Theme Parks; Arenas

Industrial – Heavy (Mining; Plastics)

Industrial – Light (Warehouse; Food)

Municipality – Housing; Schools; Infrastructure

Real Estate – Apartments; HOA/COA; Retail; Mercantile

Stock Throughput/Inland Marine/Self Storage

Transit – Inland and Ocean

Property Coverages Include

All Risk:

  • Fire, Lightning, Vandalism, Collapse
  • Water
  • Wind

Difference in Conditions:

  • Earthquake
  • Flood
  • Named Windstorm (Tropical/Hurricane)
  • Convective Windstorm
  • Wildfire


  • Windstorm
  • Wildfire
  • Earthquake
  • Flood

Boiler & Machinery


  • Active Shooter


Jencap Has Industry-Leading CAT Modeling Services.

While we cannot predict or forecast the next natural disaster, we can educate you on the implications of these risks and properly manage them.

Catastrophe Modeling Services

To manage these exposures, Jencap offers catastrophe modeling services a cut above the rest of our industry, honed by years of experience.

Just “running the numbers” is not enough; you need experienced professionals who can make certain the information going into the system is complete and current – people who can accurately assess and interpret the results, explaining what it all means and why it is important.

Experience and Expertise

Bruce Norris, a Certified Catastrophe Modeler (CCM), manages the catastrophe modeling services discipline for the Jencap Property team and is a recognized leader in the insurance industry for his knowledge of catastrophe modeling. For over 20 years Bruce has worked with the three major modeling software programs (AIR, EQE, and RMS) and thoroughly understands both the strengths and the limitations of each platform.

Using this expertise Jencap quantifies each insured’s unique exposures to earthquakes, hurricanes, terrorist acts and severe winter storms (tornado, hail, etc.), providing meaningful and understandable catastrophe modeling results, along with the advice needed to make informed, educated decisions on effectively managing your insured’s risk.

We Can Also:

  • Map exposures, providing a visual depiction of the risk
  • Identify flood zones for properties
  • Provide risk profiles for individual locations
  • Use model results and our knowledge of what they mean to create some of the industry’s most unique and accurate premium allocation models that are fair and supportable
  • Compare results to current market conditions and evaluate the pros and cons of different limit and deductible picks

Binding Authority

Jencap gives you a competitive edge with access to quick indications, quotes, and binders. Combine that with product expertise, geographic knowledge, and deep market intelligence and you get the right policy every time, regardless of the coverage or complexity.

Coverages Solutions Include:

  • Business Income
  • Business Interruption
  • Commercial Property
  • Difference in Conditions (DIC)
  • Earthquake
  • Equipment Breakdown
  • Equipment Floaters
  • Flood (Primary & Excess)
  • Inland Marine
  • Layered/QuotaShare Capabilities
  • Stock Throughput
  • Terrorism
  • Umbrella (Primary & Excess)
  • Wind
  • Wind/Hail Deductible Buyback
  • Business Income
  • Business Interruption
  • Commercial Property
  • Difference in Conditions (DIC)
  • Earthquake
  • Equipment Breakdown
  • Equipment Floaters
  • Flood (Primary & Excess)
  • Inland Marine
  • Layered/QuotaShare Capabilities
  • Stock Throughput
  • Terrorism
  • Umbrella (Primary & Excess)
  • Wind
  • Wind/Hail Deductible Buyback

Target Binding Authority Classes for Property Insurance Include:

  • TIV less than $5Mil
  • Light manufacturing (no wood i.e. pallets)
  • Habitational
  • LRO
  • Shopping Centers
  • Offices
  • Inland Marine (contractors equipment, leased or rented equipment, misc)

View a more comprehensive list of our Property & Casualty binding authority available classes.

Property & Casualty Classes
  • Adult day cares
  • Alarm installation
  • Amusement parks
  • Animal services
  • Apartments/habitational
  • Artisan contractors
  • Asbestos, lead, and mold abatement contractors
  • Auto service and repair
  • Bakeries
  • Bars and taverns
  • Beauty, barber, and tanning salons
  • Bed and breakfasts
  • Boat dock construction
  • Builder’s risk
  • Caterers and halls
  • Clubs (social and service)
  • Commercial contractors
  • Commercial inland marine
  • Condominium & homeowners associations
  • Consultants
  • Contractors equipment rental
  • Crane operators
  • Day nursery or preschools
  • Demolition contractors
  • Distributors (internet and wholesale)
  • Dwelling fire/homeowners
  • Employment agencies
  • Environmental laboratory services
  • Exterminators
  • Exercise studios
  • Fence erectors
  • Foreclosure/eviction cleanup
  • General contractors (commercial & residential)
  • Golf courses
  • Grocery/convenience stores
  • Halfway houses
  • Home health care
  • Hotels and motels
  • Houses of worship
  • Hunting clubs, preserves, and shooting ranges
  • Janitorial (commercial & residential)
  • Landowners
  • Landscaping
  • Landfill construction contractors
  • Lessor’s risk
  • Liquor liability
  • Machine shops
  • Machinery and equipment (installation, service, or repair)
  • Martial arts studios
  • Masonry contractors
  • Medical equipment supply stores
  • Mobile home parks and campgrounds
  • Network security coverage
  • Office buildings
  • Owners and contractors protective liability
  • Pawn shops
  • Pressure cleaning
  • Products manufacturing
  • Push cart and flea market vendors
  • Recyclers/dismantling operations
  • Restaurants
  • Security guards
  • Schools (private, technical, trade, & vocational)
  • Shopping centers
  • Solar contractors
  • Special events
  • Sports camps, clinics, or leagues
  • Storage tank installation and design
  • Steel/metal erection
  • Student housing
  • Swim and racquet clubs
  • Swimming pool contractors, dealers & installers
  • Telecommunication towers
  • Transportation services
  • Tree trimmers
  • Umbrella on all classes
  • Unmanned aircraft systems (drones)
  • Vacant property and buildings
  • Warehouses
  • Welding
  • Wind and solar energy
  • Woodworking/cabinet making
  • Waste oil & grease collection services
  • Wind turbine installation and repair

* Partial list provided.

Exclusive Programs

Jencap administers 27 programs with a mix of admitted and non-admitted product offerings for all of your clients’ unique needs.

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