Retail Property Insurance
MSIG USA partners with brokers and clients to provide admitted coverage for complex property risks. Our underwriters combine local expertise with financial strength and the global reach of MS&AD Insurance Group to deliver tailored protection for your organization.
Our underwriters apply disciplined, technical analysis to evaluate exposures and design solutions that protect assets and maintain operational continuity. As property risks continue to evolve through inflationary pressures, rising catastrophe exposures, and volatile real-estate markets, we stay focused on delivering reliable solutions.
It takes an experienced partner to help ensure your properties are adequately covered. For businesses with soft occupancies, industrial, or global properties, MSIG USA is the partner you need.
Delivering confidence and long-term partnership in a volatile world
As the U.S.-based subsidiary of MS&AD Insurance Group Holdings, Inc., we boast a 350-year heritage and a reach that spans 40+ countries and regions. Our property team has the underwriting excellence to help manage complex property exposures.
We offer admitted coverage for shared and layered placements on a wide variety of insureds, with the ability to include admitted and incidental non-admitted exposures. Program structures can extend to flood, earthquake, or named windstorm in Tier 1 counties, supported by catastrophe modeling and in-house risk engineering expertise.
Industry Expertise and Appetite
Our retail property team supports a diverse range of occupancies and risk profiles, applying deep industry knowledge to both soft and hard classes of business.
Soft occupancies (included, but not limited to)
- Commercial and residential real estate
- Hospitals and healthcare institutions
- Schools and universities
- Hotels and casinos
- Casinos
- Retail operations
Manufacturing risks (including but not limited to)
- Heavy manufacturing
- Food and beverage processing
- Pharmaceutical
- Technology
- Chemical
With limits up to $100,000,000 per occurrence, and additional capacity available in some cases, MSIG USA supports large property accounts that require customized admitted coverage.
Are you a multinational company?
Learn about the full range of coverage we offer for multinational organizations.
National presence, serving a global customer base
With a team of underwriters located across the U.S., serving some of the world’s largest manufacturing, retail, and technology organizations, MSIG USA has the resources to provide customized property insurance that addresses the volatile environment today’s businesses face. No matter where you operate, we can offer quota share coverage on a case-by-case basis, and the excess property coverage the market has always known us for.
Our highly experienced property team is skilled at evaluating exposures and tailoring a policy that protects your properties against the most likely risks. Since no two risks or geographic footprints are alike, we take a flexible, customized underwriting approach that allows us to insure best-in-class businesses even in challenging sectors.
We deliver much more than insurance
You expect a property insurance carrier to provide much more than a policy, and we agree.
MSIG USA delivers the responsive, personalized service you deserve, across every function of our organization, through a network of dedicated, experienced professionals. We build a long-lasting relationship with your organization, providing consistency and reliability to give you confidence that we will be there for you, year in and year out.
For properties we underwrite on a primary basis, our risk engineering consultants can help you prevent loss through services like risk assessment, loss analysis, and assistance with safety programs.
And, in the event your property experiences a loss, our in-house claims team will draw on decades of experience and proven best practices to ensure the claims process runs smoothly.
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