High End Homes

The Cross Wholesale Personal Lines division of Cross Insurance Agency is committed to helping agents retain and grow their affluent personal lines accounts. Currently we work with a variety of brokers on the east coast. Our wholesale division can provide your agency with access to Chartis Private Client Group, Chubb Masterpiece, Fireman’s Fund, Travelers, and LexElite surplus lines. Request Marketing Material.

Our specialty is the High Net Worth/High Value homes arena. Most of our carriers will write homes starting at $500,000 for Coverage A, but they are most competitive when the homes are over $1 Million (even better in the $5M and up category), and there are several lines of business. We can also provide Excess Liability up to $100M and coverage for all the “toys” that often come with these accounts (including yachts). Many of the carriers will write waterfront property. Our surplus lines carriers can cover the more unusual situations that admitted markets may not want in their portfolios, and coverage A for those homes can range from $100K to $5M. We are also licensed in 40+ states to allow you to write the entire account, no matter where the homes are located.

Quoting business with us is a very easy process. Simply email the risk location with pertinent information, dwelling coverage, alarms, losses etc, or an accord application and we will do the rest.  Most quotes are generally turned around within 48 hours, depending on the complexity of the risk. Signed Accord Applications are required only at the time of binding a quote request. Another advantage to working with Cross WPL– there is no minimum volume commitment. 

We do not require any exclusive contracts or volume of business. To write business with us, an agent only needs to supply a copy of the agency’s license, agency’s E&O dec page, signed broker agreement, and completed W-9 form.