Data-Driven Marketing

Our Broker Toolkit

Everything you need to quote, win, and retain urban business with District Cover. From appetite clarity to submission strategy to ready-to-share resources, this is your home base for placing business others won’t.

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Why Brokers Work With District Cover

We Look for the Yes

We specialize in urban and harder-to-place risks that others avoid.

Built for Complex Deals

From multi-location to high-traffic retail, we understand real-world exposures.

Flexible Underwriting

We don’t force-fit risks into rigid boxes; we evaluate them properly.

Insurance Built for Urban Areas

Coverage Highlights

  • Proprietary form with flexible valuation (replacement cost default)

  • Coverage for theft, vandalism, riot, and assault & battery (sublimited)

  • Optional blanket limits and targeted coverage enhancements

  • Property-Only Coverage available

 

Limits

  • General Liability: $1M / $2M

  • Property: $10M+ TIV for select classes and geographies

District Cover Website Asset Map Transparent (1)

Available in 23 States and Growing:
Arizona, California, Colorado, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Nevada, New York, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Texas, Virginia, Washington

Our Appetite

We focus on urban small to mid-sized businesses, especially the deals that don’t fit standard markets. Here's a full list of eligible classes.

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Food and Beverage

Food and Beverage: Delis, Takeout, Limited Cooking, Full Dining with Liquor

Retail

Liquor, Convenience, Clothing, Electronics, Beauty Supply

Professional Services

Offices, Real Estate, Law, Architecture, Medical

Service Shops

Barbers, Nail Salons, Laundry, Yoga, Fitness

LRO / Commercial Mixed-Use

Multi-Tenant Retail and Office Exposures in Dense Areas

Wholesale / Distribution

Durable Goods, Drop-Ship

Contractors

Landscaping, Electrical, Cleaning, HVAC (Available in Arizona, Indiana, Michigan, Minnesota, North Carolina, Ohio, and Texas)

Our Ineligible Risks:
Bars/Nightclubs, Hotels, Fuel, High-Hazard Contractors, Churches, Manufacturing 

 

NEW: Apartments above the storefront? Mixed-use buildings are now eligible! Learn more.

The fastest way to a “yes” is a complete story.

How to Win with District Cover

 

Must-Haves

  • An accurate, effective date
  • Completed ACORD applications and supplemental forms
  • Five years of currently valued loss runs (The more information we have upfront, the faster the referral process is.)
  • Clear, detailed description of operations

What Helps You Win Faster

  • Photos, website, or marketing materials
  • Contracts, COIs, or lease details/rent details
  • Full list of additional insureds
  • Target Premium (If Applicable)
Download our Appetite Guide
A picture of a storefront with an open sign.

Explore the District Cover Library

Our library is designed to provide you with all the essential resources you need, whether you're an agent, broker, or policyholder. Here, you’ll find underwriting guidelines, policy forms, marketing collateral, and helpful links.

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