A 5% named-storm deductible on a commercial building is a six-figure hit before your property policy pays a cent. We buy it down to a number your balance sheet can absorb.
A percentage deductible hides how big the number really is. Drag your insured value and current deductible to see the exposure a buy-down removes.
In market terms, the amount transferred is the line — the gap between your overlying carrier’s deductible and the level you buy down to. The level you keep is your attachment point, and programs carry a minimum attachment (commonly a few thousand dollars), so a buy-down reduces the deductible — it does not remove it. Figures are illustrative examples of how a percentage wind deductible converts to dollars at the shown insured value; they are not a quote, rate, or offer of coverage. Buy-down availability, minimum attachment, limits, and eligibility depend on the property and the overlying policy, and are governed solely by the terms of the issued policy. The buy-down floor shown is 1%.
*Illustrative buy-down range; actual floor and availability depend on the property. **Coastal wind states — see the states page. Not offered nationwide.
Owners sign for a 5% wind deductible without translating it to dollars. On a $10M building that is $500,000 out of pocket per event — before the property policy responds. The buy-down closes most of that gap.
Both leave you with wind coverage. Only one caps your out-of-pocket exposure when a storm actually hits.
General distinctions only; actual terms vary and are governed solely by the terms of the issued policy. Full comparison →
Written for wind-exposed commercial property — shopping centers, hotels, apartments, offices, and warehouses.
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