Berkley One
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
Berkley One is a high‑net‑worth personal lines market targeting modern, affluent individuals and families, distributed only through select independent agents. Preferred / target business (per underwriting section of the Full Portfolio Overview – Texas): - Insured profile: Responsible individuals with strong financial profile and good claims and payment history; higher risk tolerance with deductibles of $2,500+ on property.([img1.wsimg.com](https://img1.wsimg.com/blobby/go/d9063911-07f2-481e-8122-c810f7507334/Full%20Portfolio.pdf)) - Account structure: Best candidates have a primary home valued at $1M+ (or condos with at least $250K combined Coverage A+C) and typically need $5M+ of personal excess liability. They are expected to place at least two core lines (home, auto, collectibles, liability) with Berkley One.([img1.wsimg.com](https://img1.wsimg.com/blobby/go/d9063911-07f2-481e-8122-c810f7507334/Full%20Portfolio.pdf)) - Ownership: Properties may be titled in trusts or LLCs; this is acceptable for target accounts.([img1.wsimg.com](https://img1.wsimg.com/blobby/go/d9063911-07f2-481e-8122-c810f7507334/Full%20Portfolio.pdf)) - Auto/excess: Best pricing for clean driving records, very good to excellent insurance scores, and risks with garaged vehicles and excess liability placements.([img1.wsimg.com](https://img1.wsimg.com/blobby/go/d9063911-07f2-481e-8122-c810f7507334/Full%20Portfolio.pdf)) Home / property appetite & risk controls: - Dwelling value focus: Core appetite is homes at $1M+; higher‑value condos/contents ($1M contents threshold for some alarm requirements).([img1.wsimg.com](https://img1.wsimg.com/blobby/go/d9063911-07f2-481e-8122-c810f7507334/Full%20Portfolio.pdf)) - Alarm / protection requirements: - Protected homes (PC 1–8): - Primary: At $1.5M+ dwelling value, require direct/central reporting fire alarm. - Secondary/seasonal: At $1M+ dwelling value, require direct/central fire alarm and a water shutoff device or central low‑temperature alarm if there are prior water losses. If a full‑time live‑in caretaker exists, requirements track those of primary homes.([img1.wsimg.com](https://img1.wsimg.com/blobby/go/d9063911-07f2-481e-8122-c810f7507334/Full%20Portfolio.pdf)) - Unprotected homes (PC 9–10): At $1M+ dwelling value, require direct/central reporting fire alarm.([img1.wsimg.com](https://img1.wsimg.com/blobby/go/d9063911-07f2-481e-8122-c810f7507334/Full%20Portfolio.pdf)) - Condos/co‑ops: At $1M+ contents, require a central burglar alarm if the building does not have qualifying Building Security. Exceptions exist where the unit has private keyed‑elevator access.([img1.wsimg.com](https://img1.wsimg.com/blobby/go/d9063911-07f2-481e-8122-c810f7507334/Full%20Portfolio.pdf)) - Multi‑policy focus: Pricing incentives for multi‑policy and paid‑in‑full on Home Suite™; carrier expects account rounding of home with auto, collections and excess liability.([img1.wsimg.com](https://img1.wsimg.com/blobby/go/d9063911-07f2-481e-8122-c810f7507334/Full%20Portfolio.pdf)) Flood (primary and excess) – key guidance: - Primary flood is typically added as an endorsement to the home policy; Excess Flood offerings are segmented by risk: - Preferred Excess Flood: Intended for lower‑risk locations and designed to sit over Berkley One’s primary flood endorsement; may offer optional basement coverage.([img1.wsimg.com](https://img1.wsimg.com/blobby/go/d9063911-07f2-481e-8122-c810f7507334/Full%20Portfolio.pdf)) - Standard Excess Flood: Intended for higher‑risk locations, including FEMA high‑risk flood zones A or V; sits above NFIP limits; basement coverages are not available.([img1.wsimg.com](https://img1.wsimg.com/blobby/go/d9063911-07f2-481e-8122-c810f7507334/Full%20Portfolio.pdf)) - Operationally: For high‑risk zones or coastal exposures, brokers should expect that Standard Excess will be required over NFIP and that coverage features (like basement coverage) are restricted vs Preferred Excess. Liability / umbrella (Liability Suite™): - Designed for high limits (excess liability) over scheduled underlying home/condo/renters, personal autos, watercraft, etc.; high limits are available subject to underwriting review.([img1.wsimg.com](https://img1.wsimg.com/blobby/go/d9063911-07f2-481e-8122-c810f7507334/Full%20Portfolio.pdf)) - Covered exposures include worldwide personal liability, personal injury, incidental business activities, certain non‑compensated nonprofit D&O, and rented/borrowed autos and watercraft for specified short‑term periods.([img1.wsimg.com](https://img1.wsimg.com/blobby/go/d9063911-07f2-481e-8122-c810f7507334/Full%20Portfolio.pdf)) - Optional endorsements include Excess UM/UIM (limit cannot exceed excess liability limit), uninsured/underinsured liability for boaters (can drop down without underlying), rideshare liability (requires underlying ridesharing coverage), and Employment Practices Liability for domestic staff with specified limits and deductibles.([img1.wsimg.com](https://img1.wsimg.com/blobby/go/d9063911-07f2-481e-8122-c810f7507334/Full%20Portfolio.pdf)) - Target clients typically need $5M+ of personal excess; higher limits are available following individual risk review. Home / flood geographic notes: - The cited Full Portfolio is for Texas and specifically notes coastal and high‑risk areas (for example, certain coastal municipalities) in the flood section; Preferred vs Standard Excess Flood placement is driven by location and FEMA flood zone (e.g., A/V vs lower‑risk zones).([img1.wsimg.com](https://img1.wsimg.com/blobby/go/d9063911-07f2-481e-8122-c810f7507334/Full%20Portfolio.pdf)) - Broader corporate materials describe Berkley One as operating via select agents and not yet in all states; agents should confirm current state availability via the Berkley One website or agent portal when quoting.([berkleyone.com](https://www.berkleyone.com/?utm_source=openai)) Submission & producer expectations (from producer materials and website): - Distribution: Business is written only through select expert independent agents. To be appointed, agencies must: - Specialize in high‑net‑worth personal lines, - Commit to at least roughly $500,000 in Berkley One written premium in the first 12–15 months, and - Carry at least $5M in E&O limits.([berkleyone.com](https://www.berkleyone.com/?utm_source=openai)) - Tools: Agents submit and service via the Berkley One Agent Portal (agent.berkleyone.com). Chat support is available in‑portal; service and documentation email addresses and phone numbers are provided for escalation and policy handling.([img1.wsimg.com](https://img1.wsimg.com/blobby/go/d9063911-07f2-481e-8122-c810f7507334/Full%20Portfolio.pdf)) - Operational preferences: - Round accounts into 2+ core lines wherever possible. - Present higher deductibles ($2,500+) for target pricing and alignment with appetite. - Emphasize good risk controls (required alarms, water shutoff/low‑temp protections, caretakers for higher‑risk second homes). Restricted / declined risk indicators (inferred from appetite): - Not a fit for mass‑market or low‑value dwellings (homes materially under $1M or condos with low contents limits) unless part of a broader high‑value account. - Accounts unwilling to meet alarm / protection requirements at stated value thresholds, or with poor claims/payment history, will fall outside preferred appetites. - Very high‑risk flood exposures (A/V zones) can still be considered, but are routed to Standard Excess Flood sitting above NFIP with tighter terms (no basement coverage), and may price or underwrite out if risk controls or elevation information are not acceptable. Broker / producer notes: - Position Berkley One as a solution for sophisticated, higher‑asset clients looking to consolidate home, auto, collectibles, and high‑limit excess liability under one carrier. - Use the Full Portfolio Overviews (state‑specific in the Agent Portal) to confirm local variations in limits, deductibles, and alarm or coastal guidelines. - Engage underwriting early for complex title structures (LLCs, trusts, family offices) or unusual property characteristics; carrier is set up for these but expects full disclosure and documentation. - Service expectations are high‑touch; agents are encouraged to use portal chat and dedicated service contacts for escalations and complex servicing needs. This summary focuses on home and flood related appetite plus the surrounding high‑net‑worth account context. Always defer to current state‑specific portfolio overviews and filed policy forms for binding decisions.