US Commercial Property

Smaller commercial property in the U.S. can be difficult to insure but, the MGAM US Commercial Property policy makes it easy to arrange cover.


Designed to cover the risks and unforeseen events that could cause loss or damage to your Insured’s business, the new MGAM US Commercial Property policy is available for over 150 occupancy types.


So, whether your Insured’s premises has suffered from a fire, had damage to a roof following a Hurricane or encountered structural issues due to an Earthquake the MGAM US Commercial Property policy offers a fast response to help them get back on their feet.

Key points

  • Cover arranged with “A” rated carriers
  • Coverage available in all 50 States
  • System generated documents available immediately at point of sale.
  • Statement of fact basis – no need for proposal form.


  • Maximum Line size of $5m per location, regardless of construction type
  • Maximum Total Sum Insured of $25m
  • Coverage available for Catastrophe exposed locations
  • Wind & Hail and Earthquake available as stand-alone coverages.

Optional Coverage

  • Equipment Breakdown
  • Boiler & Machinery Extension
  • Ordinance or Law
  • Sprinkler Leakage
  • Property Enhancements.

Eligible Occupancy

​150 occupancy types can be quoted under the MGAM US Commercial Property product including: –

  • Hospitality
  • Retail
  • Offices
  • Condominiums
  • Low hazard warehouses
  • Medical facilities
  • Educational buildings (ex-fraternity houses).

Prohibited Risks and Exposures

Risks with the following characteristics are ineligible:

  • The peril of flood
  • Locations situated in Florida Tri-County and Monroe County
  • Habitational risks (excluding owner/occupied condominiums)
  • Properties undergoing structural renovations
  • Properties undergoing non-structural renovations with costs exceeding
  • USD 50,000
  • Vacant Properties.

MGAM – Here’s why

  • We are a Lloyd’s approved cover holder.
  • You have the support of an experienced team of professionals ready to respond to referrals.
  • All our products are developed in collaboration with our partners and are designed with the end customer in mind.
  • We constantly monitor emerging trends and are perfectly positioned to provide pioneering solutions.
Retail outlet in the USA

“Most importantly the MGAM team are a pleasure to work with.”

David Heeney, Underwriter, The Fiducia MGA Co Ltd.

For more information contact

Matt Edwards, Divisional Director North American Property
M: +44 (0)7767 777 408