Strategic Markets & Programs
About Us
Strategic Markets & Programs is a division of National General Lender Services, a wholly-owned subsidiary of Allstate. We deliver a suite of established products along with access and capacity to our A+ rated paper (both on an admitted and domestic non-admitted basis). We work with financial institutions, general agents, wholesalers, retail agents, brokers and software companies to address their clients' insurance needs.
Types of Coverage
Strategic Markets & Programs delivers Excess and Surplus Lines (E&SL) and Admitted coverage options through National General and Lloyds. This ensures that each client receives a solution tailored to their unique needs:
Coverage Available for a Wide Variety of Property Types
Residential
Commercial
Manufactured Homes
Condominiums
Rental Properties
Vehicles
Non-Vehicle-Assets
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Specialty Coverage Options
- Multiple properties under a single master policy to protect against resident-caused damage
- Easy, web-based application for instant issue; no individual underwriting requirement
- Additional coverage options are available
- Individual or schedule capabilities for professionally-managed properties
- Customizable dwelling and liability coverage options
- Risk sharing arrangement required
- Our Private Flood Insurance program acts as an alternative to the National Flood Insurance Program (NFIP) and provides the same coverage that FEMA provides with additional limits beyond the NFIP
- Our Excess Flood Insurance program offers additional limits above the insured's primary flood policy maximum
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Lender-placed Insurance (LPI)
Coverage is available for properties such as:
- Residential homes (1-4 dwelling units)
- Commercial properties (typically with greater than 5 dwelling units)
- Manufactured homes
- Condominiums
- Farms
- HELOCs
- Additional coverage options are available
- Competitively priced, broad-form insurance protection coverage that applies to any portion of your portfolio, including owned properties, foreclosed properties and properties in the process of foreclosure
- Wide variety of limits, deductibles and coverage options
- Loss settlement options on either a replacement cost or actual cash value basis, with or without co-insurance penalties
- Coverage may be written on annual or monthly terms with various billing options
- Additional coverage options are available
- Blanket condo hazard coverage
- Blanket junior liens hazard coverage
- Blanket mortgage protection coverage
- Blanket Vendor Single Interest (VSI) Insurance covers delinquent borrower's uninsured vehicle collateral
- Additional coverage options are available
- Coverage is available for items such as vehicles, trucks and semis, recreational vehicles, boats and non-vehicle assets (farm equipment, commercial and heavy equipment, mobile home)
- Additional coverage options are available
Program Business
Looking for a market for your program opportunity that demonstrates a good spread of risk and disciplined underwriting approach? Our Product and Underwriting team will work closely with you to develop your program and bring it to market - addressing coverage needs and pricing, including unique risk sharing mechanisms to maximize revenue. We also provide operational support where appropriate to bring a new program to market or to introduce an additional market to your existing program.
Open Market Solutions
We maintain relationships with key counterparties and carriers in the Lloyds marketplace. Our clients and agency partners benefit from our ability to craft bespoke insurance programs or placements, typically difficult to place in the traditional market. These placements range from unique lender-placed or REO coverages to larger commercial risks.
Coverage Available for a Wide Variety of Property Types
Residential
Commercial
Manufactured Homes
Condominiums
Rental Properties
Vehicles
Non-Vehicle-Assets
Claims Handling
When a customer experiences a loss to their insured assets, a claim is filed with the carrier to repair or replace the damage.
Claims handling is a core function of the insurance policy contract. Our commitment to satisfy our obligation under the insurance policy and provide outstanding service during the time of loss is one of the top roles we perform. Our actions are a direct reflection on our clients and their relationship with the customer.
Protect Your Portfolio
To learn more about how we can help protect your portfolio, contact us at 800.225.8178.
