Underwriting Guidelines

To access Underwriting Guidelines, sign into the Broker System and select the Underwriting Guidelines link located at the top left corner of the screen.


Vacant Properties

The FAIR Plan will not offer insurance on any properties that have been vacant or unoccupied for more than one year prior to the date when the application was received by the FAIR Plan. In addition, the FAIR Plan will not offer a renewal of a policy covering a vacant property. All vacant properties are inspected.

There is a higher premium applied to vacant properties for the Vandalism or Malicious Mischief (VMM) peril, since vacant properties are subject to a higher degree of frequency/severity of loss than occupied buildings.