Align General Insurance Agency Inc.
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Align General is now branded under DUAL North America; the verified commercial property underwriting guidance is published on DUAL’s E&S Property page. Current appetite is for non-standard excess and surplus property risks, especially commercial real estate, vacant structures/buildings in transition, mercantile, condominiums, rental apartments, nursing homes, assisted living, hospitality, restaurants/taverns, religious institutions, and light manufacturing/industrial. Preferred vacant-building risks include cosmetic/non-structural renovations, partially occupied or newly purchased properties, undervalued properties, incomplete certificates of occupancy, and buildings transitioning from vacant to occupied. Habitational focus includes conventional, senior, and student housing, with target territories on the East Coast, West Coast, and North Central/Southeast excluding tier 1 and tier 2 counties. Program notes show monoline property, non-admitted paper, primary/full-limit capacity, no excess capacity, minimum premium of $5,000, up to $25M per location/subject for best risks and $100M policy TIV; flood and earthquake are limited to non-critical $2.5M max, and catastrophe limitations apply. Coastal/cat geography restrictions include Florida only beyond 5 miles from the Intracoastal Waterway and Gulf Coast with $5M max line/$5M max policy TIV; Louisiana, Mississippi, and Alabama only beyond 50 miles from the coast including Baton Rouge; Virginia, North Carolina, South Carolina, and Georgia beyond 15 miles from the coast; and no coastal Texas. Specifically ineligible or declined risks include ground-up construction, renovations involving or contemplating structural modifications, buildings scheduled for demolition, greenhouses, agriculture/food processors, recyclers, chemicals/petrochemicals, heavy flammable exposures, manufacturing over $10M TIV, and risks in wildfire or high/medium brush areas. Submission requirements published by DUAL are ACORD application, Excel SOV for large schedules, vacant building supplement when applicable, habitational supplement when applicable, hospitality supplemental when applicable, minimum 3 years currently valued loss runs, and target premium. Broker/producer notes: appointed producers can submit directly by email from the product page; non-appointed firms must complete DUAL’s producer appointment process, and DUAL states all products require an individual program-level appointment.