Hydra

McGowan Risk Specialists is a commercial wind risk reduction specialist. We saw need to innovate the wind deductible buydown space due to the rising deductibles and rising cost of overlying insurance.

Applications​

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Brochure

Hydra Benefits

Questions

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Carrier

  • A.M. Best “A” Rated

Classes of Business

  • Wind buydown for commercial property

Target

  • Wind buydown for commercial property

Submission Requirements

  • Acords, SOV broken out per building, Overlying structure, loss runs, intended budget and risk tolerance

States

  • All States

Minimum Premium

  • $10,000

Applications

Contacts

Austin James

Will Jayne

Ross Hackney

Lawson Poole

David Harr

Darin McClure

To Obtain Quotes

A complete submission requires the following:

  • Acord 125 and 140, preferably with fully-completed Excel schedule of values
  • Loss history
  • Current terms
  • Overlying carrier structure
  • Request deductible

To Bind Coverage

  • A written request to bind.
  • A signed ACORD submission.
  • 3 years of loss runs for all underlying policies.
  • Supplemental applications (at the underwriter’s discretion).

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