Habitational, Warehouses & Vacant Properties

• General Liability
• Excess
• Property


Types of Properties we insure:

  • Camps and Campgrounds
  • Churches or Other Houses of Worship
  • Commercial Bank, Mercantile, Manufacturing or Office (association risk only) Condominiums
  • Dwellings
  • Hotels and Motels -Without Pools or Beaches-Less Than Four Stories
  • Land - Occupied By Person Other Than Insured For Business
  • One, Two, Three or Four family Dwellings for Lessor's Risk
  • Real Estate Development Property
  • Subsidized Apartment Buildings
  • Vacant Buildings - Not Factories
  • Vacant Land
  • Warehouses
  • Shelters, Mission, Settlement or Halfway Houses (no church or office building)

Products and services described above are provided through various surplus lines insurance company subsidiaries of W. R. Berkley Corporation and offered through licensed surplus lines brokers. Not all products and services may be available in all jurisdictions, and the coverage provided by any insurer is subject to the actual terms and conditions of the policies issued. Surplus lines insurance carriers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds. ZES Insurance Agency, LLC or its designated licensee conducts business in all states including California as a licensed surplus lines broker (CA License #0H99364).For additional information concerning W. R. Berkley Corporation's insurance company subsidiaries visit: http://www.wrberkley.com/site-services/legal.aspx