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
Preferred business & profile - High-net-worth personal lines clients with well-maintained primary, secondary and seasonal homes written on Berkley One’s Dwell platform (Home Suite™, Condo Suite™, Renter Suite™). The Texas Full Portfolio Overview is representative and notes that similar guides exist by state in the agency portal. ([img1.wsimg.com](https://img1.wsimg.com/blobby/go/d9063911-07f2-481e-8122-c810f7507334/Full%20Portfolio.pdf)) - Homes generally insured on an “all risk” policy form with guaranteed replacement cost available in most states for dwellings when insured-to-value criteria are met; contents written on replacement cost. ([img1.wsimg.com](https://img1.wsimg.com/blobby/go/d9063911-07f2-481e-8122-c810f7507334/Full%20Portfolio.pdf)) - Accounts that are a good fit for multiple lines (home, auto/collector vehicles, collectibles, excess liability, recreational marine, flood and cyber/secure type endorsements) and that value broadened limits and bundled endorsements like Home Suite™ One and Secure. Key coverage structure (home/condo/renters) - Home Suite™ (houses): - Coverage A (dwelling): all-risk with guaranteed replacement cost available in most states. - Coverage B (other structures): base 20% of Coverage A (can be adjusted; if reduced below 20%, guaranteed replacement cost not available). - Coverage C (contents): base 50% of Coverage A; limit can be raised or lowered to insure to value. - Coverage D (loss of use): reasonable additional living expenses. - Coverage E/F (personal liability/medical): worldwide liability with limits of $300K, $500K or $1M and $10K med pay standard (can often be increased). ([img1.wsimg.com](https://img1.wsimg.com/blobby/go/d9063911-07f2-481e-8122-c810f7507334/Full%20Portfolio.pdf)) - Condo Suite™ / Renter Suite™: - Contents and additions & alterations written on all-risk basis with replacement cost; option to increase A&A to extended replacement cost for higher-value condos (minimum $500K A&A) with acceptable ITV and inspection/prior carrier inspection. - Similar additional coverages to Home Suite for loss assessment, fungi/bacteria, incidental business property, landscaping, backup of sewers/drains, etc. ([img1.wsimg.com](https://img1.wsimg.com/blobby/go/d9063911-07f2-481e-8122-c810f7507334/Full%20Portfolio.pdf)) Included additional coverages (home/condo/renter) - Loss assessment: $100,000 included (with ability to increase) plus $10,000 toward association deductibles for covered losses. - Fungi/bacteria remediation (property): $20,000 included, can usually be increased. - Food/wine spoilage due to mechanical breakdown: $5,000 included. - Incidental business property on premises: $10,000 included; can be increased. - Landscaping: up to 5% of Coverage A (home) or C (condo/renter), with per‑tree/shrub limits and options to increase and broaden perils. - Debris removal, ordinance or law (rebuilding to code), backup of sewers and drains, overflow of sump pit, damage to property of others ($15,000), credit card/EFT/counterfeit money ($10,000, can increase) and $100,000 fungi/mold liability sublimit. ([img1.wsimg.com](https://img1.wsimg.com/blobby/go/d9063911-07f2-481e-8122-c810f7507334/Full%20Portfolio.pdf)) Home Suite™ One / Condo-Renter "One" endorsements (bundled enhancements) - Home Suite™ One (automatically added to Home Suite™ in TX example): - Increases med pay to $25,000 (most states), incidental business gross revenues to $15,000, and incidental farming to <1,500 hours and up to $50,000 in gross revenues. - Increases special limits: jewelry to $25,000, guns to $10,000, silverware to $25,000, money/banknotes/bullion to $5,000, breakage of fragile articles to $25,000, trees/shrubs/plants to $10,000 per item in most states. - Adds several niche coverages: data replacement ($25,000), loss mitigation device coverage ($5,000), kidnap expense ($25,000), pet injury ($5,000), damage caused by domestic animals ($10,000), realty tax increased assessment ($25,000), and event cancellation ($5,000). ([img1.wsimg.com](https://img1.wsimg.com/blobby/go/d9063911-07f2-481e-8122-c810f7507334/Full%20Portfolio.pdf)) - Condo Suite™ / Renter Suite™ One endorsement (automatically added): - Similar bundling concept with additional coverages and higher key limits and loss-of-use-of-parking-spot for condos/renters. Optional endorsements – risk appetite signals - Equipment Breakdown (“Breakdown”): optional endorsement providing $100K–$500K limits for mechanical/electrical breakdown with $1,000 deductible. - Service Line (“Line”): covers underground service lines to the home with a typical $15,000 limit and $1,000 deductible. - Cyber: account‑level coverage for online extortion, social engineering, cyber bullying, identity theft, system compromise and internet clean‑up. Limits from $15K to $100K with $250 deductible. Indicates appetite for tech‑savvy clients and exposures. - Assist: contents and liability for relatives in assisted living; property $5K–$200K (underwriting approval above $50K), liability $300K. - Student: additional living and tuition expenses if a student is displaced from school‑sponsored housing, with limits $5K–$25K. - Secure: reimburses certain expenses tied to carjacking, hijacking, violent threat, road rage/air rage, stalking, child abduction, home invasion and kidnapping—account‑level rather than location‑specific, indicating focus on higher‑profile, at‑risk individuals. - Green: additional coverage to rebuild with green materials and methods, 10%–100% of home (or combined A&A + contents for condos/renters). - Watercraft: liability and hull coverage for pleasure watercraft, typically available when attached to a home/condo account. - Flood: primary flood endorsement available in eligible B, C & X zones with no waiting period, broader than NFIP and up to $1M dwelling / $400K contents, not in all states. ([img1.wsimg.com](https://img1.wsimg.com/blobby/go/d9063911-07f2-481e-8122-c810f7507334/Full%20Portfolio.pdf)) Excess flood appetite - Preferred Excess Flood: intended for lower flood‑risk locations and written as an additional layer above Berkley One’s own primary flood endorsement. Provides options for basement coverage. - Standard Excess Flood: intended for higher‑risk locations (including A or V zones), written above NFIP limits; does not offer basement coverage. The structure implies willingness to write flood in higher‑hazard zones but only on an excess basis over NFIP with more restrictive terms. ([img1.wsimg.com](https://img1.wsimg.com/blobby/go/d9063911-07f2-481e-8122-c810f7507334/Full%20Portfolio.pdf)) Geographic & catastrophe notes (Texas example – use as pattern, confirm in portal) - Wind/hail deductibles are mandated by county in coastal Texas and differentiated by distance to coast and mitigation: - 2% wind/hail deductible required in named coastal counties for eligible post‑2005 construction or >1‑mile‑inland locations with full opening protection (hurricane shutters and/or impact glass). - 5% wind/hail deductible required in the same counties for eligible locations more than 1 mile from the coast without full mitigation. - Counties listed include Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Harris (specified east‑of‑Hwy 146 and certain cities), Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio and Willacy. ([img1.wsimg.com](https://img1.wsimg.com/blobby/go/d9063911-07f2-481e-8122-c810f7507334/Full%20Portfolio.pdf)) - The PDF notes that similar full-portfolio overviews by state and state‑specific underwriting guidelines are posted in the agency portal resources; underwriters and agents should always verify active states, available coverages and local cat guidelines via the portal map before quoting. ([d1vy0qa05cdjr5.cloudfront.net](https://d1vy0qa05cdjr5.cloudfront.net/3d4424d5-dd67-44c1-8a40-6cfaf69acf6b/Berkley%20One/An%20Agents%20Guide%20to%20Underwriting%20Best%20Practices.pdf?utm_source=openai)) Preferred risk characteristics (operational) - High‑value primary and secondary homes with modern construction or well‑maintained older construction, strong protective devices (central fire/burglar, sprinklers, gated community), lien‑free where possible, and clean loss history qualify for multiple credits (multi‑policy, paid‑in‑full, claim free, protective devices). ([img1.wsimg.com](https://img1.wsimg.com/blobby/go/d9063911-07f2-481e-8122-c810f7507334/Full%20Portfolio.pdf)) - Accounts that will bundle home/condo/renter with auto/collector vehicles, collectibles, flood and excess liability are clearly targeted—Home Suite™, Auto Suite™ and Berkley One Classics are positioned as an integrated portfolio for high‑net‑worth clients. ([berkleyone.com](https://www.berkleyone.com/)) Restricted / declined segments (inferred from structure) - The portfolio and coastal wind/hail rules imply that: - Unmitigated or very high‑hazard coastal properties (particularly in listed TX counties) can only be written with higher mandatory wind/hail deductibles; extremely exposed or inadequately protected coastal homes are likely to be declined. - High‑risk flood properties (A or V zones) may not be eligible for Berkley One’s primary flood endorsement and instead must place NFIP first, then Standard Excess Flood if appropriate; risks unable to secure or maintain NFIP may effectively be declined from Standard Excess Flood. - Very large incidental business or farming operations exceed incidental thresholds and should be placed in commercial markets. - Properties and coverages in states outside Berkley One’s active footprint at a given time (as indicated in the agent portal map) are out of appetite. Submission & underwriting workflow notes (for agents/brokers) - Agents are expected to quote through Berkley One’s NEO platform/agent portal, checking state eligibility and active footprint first via the portal’s map and state‑specific guidelines. ([d1vy0qa05cdjr5.cloudfront.net](https://d1vy0qa05cdjr5.cloudfront.net/3d4424d5-dd67-44c1-8a40-6cfaf69acf6b/Berkley%20One/An%20Agents%20Guide%20to%20Underwriting%20Best%20Practices.pdf?utm_source=openai)) - Before seeking underwriter approval, agents should: - Ensure each quote has a system‑generated premium and all warning messages cleared. - Attach key underwriting info with approval requests, including customer/quote numbers, explicit reference to system underwriting messages, loss details, elevation certificates or wind‑mitigation reports, and prior carrier inspections where relevant. ([d1vy0qa05cdjr5.cloudfront.net](https://d1vy0qa05cdjr5.cloudfront.net/3d4424d5-dd67-44c1-8a40-6cfaf69acf6b/Berkley%20One/An%20Agents%20Guide%20to%20Underwriting%20Best%20Practices.pdf?utm_source=openai)) - Underwriting approval is particularly important where: - Higher Assist property limits (> $50K contents) are requested. - Higher‑risk cat exposures (wind, flood) or exceptions to standard deductibles are involved. - Large schedules, unusual usage (e.g., substantial short‑term rental activity) or significant prior losses are present. Broker/producer instructions & expectations - Access and tools are portal‑centric: agents sign into the Berkley One agent portal for eligibility maps, state underwriting guidelines, forms, training and submission tracking. - Berkley One emphasizes fast decisions and “instant” approvals where the risk fits automated rules in NEO; incomplete submissions or missing documentation slow underwriting reviews. - For complex or exception cases, agents are encouraged to use the training materials and “Submit for Review” workflows in NEO and to ensure email notifications/tasks are enabled so that underwriting decisions and questions are not missed. ([d1vy0qa05cdjr5.cloudfront.net](https://d1vy0qa05cdjr5.cloudfront.net/3d4424d5-dd67-44c1-8a40-6cfaf69acf6b/Berkley%20One/An%20Agents%20Guide%20to%20Underwriting%20Best%20Practices.pdf?utm_source=openai)) Practical takeaways for underwriters & brokers - Target full‑account, multi‑line high‑net‑worth personal lines with strong protective features and clean loss histories. - Use mandatory wind/hail and flood layering structures as a gating mechanism: confirm county, distance to coast and mitigation; require NFIP where needed before considering excess flood. - Validate that incidental business/farming and secondary exposures (students, assisted‑living relatives, watercraft, cyber/secure, green rebuild) remain within the defined incidental parameters—otherwise refer or decline. - Leverage the portal’s state‑specific Full Portfolio Overviews and guidelines for up‑to‑date appetites, since the Texas PDF is explicitly an example and rules/availability vary by state.