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 now operates under the DUAL North America brand. For Commercial Property, DUAL markets specialist property solutions for standard-to-hard-to-place risks and indicates access to multiple insurer partners with flexibility for niche or non-standard placements. Current published property offerings include Builders Risk, Deductible Buyback, Earthquake, Excess & Surplus Property, Commercial Flood, Political Violence, and Windstorm Risk. Published E&S Property appetite emphasizes non-standard monoline property on a nationwide, non-admitted basis with primary/full-limit policies only, no excess capacity, and minimum premium of $5,000. Preferred/target classes specifically listed include vacant buildings, non-structural renovations, commercial real estate, condominiums, rental apartments, plus other considered classes such as mercantile, light manufacturing/industrial, restaurants/taverns, religious institutions, hospitality, nursing homes, and assisted living. They state they can consider undervalued properties, new purchases, prior-loss accounts, Stab-Lok panels, aluminum wiring, and fuse systems. E&S Property capacity details published include up to $25M per location/subject for best risks, $100M policy TIV, flood and earthquake for non-critical exposures up to $2.5M, and equipment breakdown up to $25M; catastrophe-exposed business has limitations. Geography notes specifically published for E&S Property include Florida generally beyond 5 miles from the Intracoastal Waterway and Gulf Coast with $5M max line/$5M max policy TIV, and Louisiana, Mississippi, and Alabama generally beyond 50 miles from the coast including Baton Rouge. Published Earthquake appetite is nationwide, non-admitted/admitted depending program, written exclusively through regional and national wholesale brokers, with premiums starting at $10,000; target risks include small and middle market accounts from $1M TIV to multi-billion-dollar schedules, national accounts considered individually, habitational, office/real estate, hotels/motels, retail, hospital/healthcare, restaurants, and light manufacturing. Flood may be considered with earthquake in CA/WA/OR excluding A/V flood zones. Published Flood guidance shows excess flood available in all 50 states and primary flood via online portal; appetite includes apartments/multifamily, condos, commercial properties, and residential/commercial buildings. Flood exclusions/restrictions specifically listed include properties built on stilts over water, mobile/manufactured/prefabricated buildings, construction soft costs, medical equipment, perishable goods, certain basement contents, and CBRA zones or non-NFIP communities. Flood submission requirements specifically published include NFIP/ACORD application or renewal NFIP dec page, DUAL supplemental, elevation certificate for post-FIRM A or V zones to bind, Excel SOV for multilocation schedules, confirmation of no prior flood losses, and loss runs. Broker/producer notes: earthquake is written exclusively through wholesale brokers; DUAL states all products require an individual program-level appointment, and new producers must complete the online producer onboarding/request process before access to products or additional product lines.