# Kettle Commercial

## Property Coverage

### Key Program Details

Kettle Commercial Property (KCP) is an indemnity product designed to provide physical property damage coverage for Wildfire and All Other Perils (AOP) exposures under a single policy. We combine proprietary wildfire modeling and underwriting expertise to provide custom solutions for a wide range of property exposures that are typically too volatile for admitted or most E&S carriers.

| FEATURE | DETAILS |
| --- | --- |
| Backing/Paper | Kettle Property Product written on Mt Hawley Insurance Company Paper(A++ Superior by AM Best) |
| Exposure | Monoline E&S Property Policy for Wildfire and All Other Perils(AOP) |
| Availability | California and Nevada(initial roll-out) |
| Distribution | Wholesale Brokers exclusively |
| Policy Term | Between 1 Year-(Vacant buildings 3, 6, 9, and 12 Months) |
| Maximum Policy Limit | Available starting at $1M up to a maximum of $10M |
| Maximum Total Insurable Value (TIV) | $200M Total Schedule |
| Minimum Premium | $75,000 |
| Minimum Deductibles | $25K AOP (Lower Hazard Risks); $50K AOP (Higher Hazard Risks). Wildfire Deductibles dependent on individual account exposures |

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### Placement Options

#### PRIMARY POLICY LAYER

- **GROUND UP**

- **LOSS LIMIT**

Consideration of $1M - $10M based on individual account characteristics.

Up to $10M Total TIV for all exposures.

Available up to $10M limit (for risks without a mortgage).

### Target Occupancies

KCP provides placement consideration for "main-street" exposures, including but not limited to:

- Care Facilities
- Restaurants
- Apartments
- Vacants
- Offices
- Woodworking Operations
- Recycling Operations (Capped @ $1M Primary)
- Residential Condo Association
- Franchised Hotel/Motel
- Subsidized Housing
- Strip Shopping Centers
- Warehouse Distribution
- Schools

### CHRIS KAARRE

Senior Vice President  
Underwriting  
651-260-0174  
[chrisk@ourkettle.com](mailto:chrisk@ourkettle.com)