Specialty Perils

Orchid’s Specialty Perils programs include Wind/Hail Deductible Buyback, as well as Private Primary and Excess Flood for commercial properties. Our A.M. Best Rated carriers provide the financial stability to cover your commercial insureds.


Wind/Hail Deductible Buyback

  • Available in all 50 states
  • In-house capacity of $20 million per location all interest (building, contents, loss of income)
  • Max Limit of Liability: $1,000,000
  • Minimum earned premium is generally fully earned unless otherwise agreed

Private Primary Flood

Product Highlights

  • Ability to schedule multiple locations on to one policy
  • Loss of income/loss of rents coverage
  • Additional limits provided for improvements and betterments
  • Replacement cost coverage for building & contents


  • Combined Building & Contents Limit up to $5,000,000
  • Business Income Limits of Liability: $500,000
  • Eligible properties include primary & secondary residential, commercial properties, apartments, multi-family dwellings and condominiums
  • Minimum deductible: $2,500 per occurrence for buildings, $2,500 per occurrence for contents

Excess Flood

Coverage is excess of NFIP primary or equivalent self insured retention. Loss of income subject to the greater of $25,000 retention or 30 days.

Limits available/per occurrence

  • $45 million over all interest (building, contents, loss of income) per risk
  • $20 million condo building
  • $10 million earthquake when purchased with excess flood

Minimum Earned Premiums: (greater of)

  • $500 residential structures
  • $1,000 commercial buildings
  • 50% of gross written premium


  • Properties built on stilts over water
  • Mobile, manufactured and prefabricated buildings
  • Soft costs for construction risks


  • Medical equipment, food items and perishable goods
  • Contents located in basements

Get Appointed

As an Orchid-appointed partner, your agency’s success is our priority. You can rely on our dedicated support and expertise to offer your clients best-in-class service.

Start Quoting

Orchid online quoting is your quickest and most convenient resource for paperless quoting and binding.