Commercial Property

Aspera offers coverage for a wide variety of occupancies throughout the United States. We offer use creative and practical solutions for your difficult to place excess & surplus lines property.

We consider All Risk, Difference in Condition (DIC), Single Peril, and Excess Equipment Breakdown coverage.

Target Classes

  • Cannabis-related industries
  • Entertainment
  • Excess habitational – apartments, assisted living facilities, condos
  • Food and drug manufacturing
  • Hotels and motels (typically excess only)
  • LRO commercial/industrial
  • Manufacturing (light to moderate hazard)
  • Municipalities/Government buildings
  • Personal repair services
  • Professional/Office buildings
  • Real estate schedules
  • Vacant buildings
  • Warehousing/Wholesale

Excluded Classes

  • Agriculture growing crops, timber
  • Foundries
  • Manufactured housing
  • Oil and gas, ocean marine, paper mills, petrochemical
  • Radio, television, cell towers
  • Risk purchasing groups
  • Rolling stock
  • Tire retreading

Cannabis Appetite

Primary, Ground-Up, or Excess limits up to $10M: Can cover finished stock, harvested plant material, goods in process.

  • Ancillary products, vape, and paraphernalia
  • CBD, dispensaries, extraction/processors, growers
  • Laboratories
  • Lessor’s risk
  • Manufacturers: drink, food, and medical
  • Processors
  • Retail stores



Capacity to $10,000,000. We target small-to-medium size risks – with between one and twenty locations – for a variety of occupancies.


Capacity to $10,000,000 including all catastrophe perils. We target small-medium size risks – with between one and twenty locations up to $35M in Total Insured Value – for a variety of occupancies.


Capacity up to $10,000,000. In or out of the PML, Buffer and Capacity layers options. Our appetite is for medium and larger risks up to $500 million in Total Insured Value.

Catastrophe Appetite


All Risks, DIC, Single Peril capacity available in all catastrophe areas. We avoid Frame/Joisted Masonry 0-3 miles to coastal water.


DIC, Single Peril or include with All Risks perils. Prefer Excess in and out of PML and smaller schedules. No primary stand-alone coastal flood or major state river exposures.


DIC, Single Peril or include with All Risks perils. Capacity available in all zones PNW, New Madrid, and Oklahoma. We avoid unreinforced masonry, tuck under or soft story and soil.

Submission Requirements
  • Effective date
  • Description of occupancy(s), protection
  • Request coverage and perils
  • Suggested layering, if applicable
  • Statement of values (Excel format);
  • Five-year loss summary with a description provided for large losses over $25,000.
Send a Submission
Printable Commercial Property Information

Our Commercial Lines Team

Shea Hopkins, Division Manager
(804) 289-1359
LeAn Hatch, Senior Underwriter
(804) 774-2108