The product facts behind the view.
- Paragon Specialty Property describes nonadmitted property underwriting for midsize and larger accounts, including layered, shared and catastrophe-exposed placements. [1]
- The published appetite identifies apartments, hotels, motels, public entities, real-estate schedules, offices and retail. [1]
- Food and beverage facilities, industrial processing and manufacturing are also named, with equipment breakdown included in the product offering. [1]
- The page advertises net and treaty capacity; that figure is not a stated per-account quote or guaranteed line size. [1]
This is an individual program of Paragon Insurance Holdings. Review its own product scope separately from the other offerings.
Questions to resolve before binding.
Use these illustrative scenarios to review a proposal. They are questions to ask, not statements that a loss is covered.
A hurricane damages several scheduled properties
How do catastrophe limits, deductibles and the quoted layer apply across the accumulation? Review the entire shared placement, not one insurer’s headline capacity.
A manufacturing plant loses a critical machine
Does equipment breakdown respond to the cause, and how is resulting interruption addressed? Compare repair time with the proposed indemnity period.
A quoted layer attaches above a high deductible
Who bears the amounts below attachment, and how is exhaustion established? Check that the structure aligns with the other participating policies.
A better submission starts here.
Hedge’s preparation guidance for this placement:
- Provide a complete statement of values, construction, occupancy, protection, exposures and requested perils.
- Identify the requested layer, attachment, limits, deductible and any other participating markets.
- Explain catastrophe accumulations, business-income values, equipment dependencies and significant prior losses.
Include the named insured, locations, requested lines and limits, effective date, existing applications and available loss information. Start with what you have; we can identify what is missing.
Legal entities and underwriting.
The market name, licensed producer and insurance company can be different entities. These are the names and roles identified in the cited disclosures.
Paragon Insurance Holdings, LLC [2]
Program administrator
The page describes nonadmitted capacity and a carrier partnership without naming a precise insurer for every placement. Record the legal issuer, line size and coverage form from the quote; net or treaty capacity is not a per-risk commitment. [1]
Registration and license details identify an entity and its role. They do not by themselves establish that a particular product, state, limit or account is eligible.
The practical questions.
How do I get a quote with Paragon Specialty Property?
Choose “Get a quote with Paragon Specialty Property” and tell us about your client. Hedge carries your market selection into the submission, helps complete the account and works on the available terms. You can review the proposal before making a coverage decision.
Does this profile confirm my account is eligible?
The published specialties are a starting point. State, business activity, loss history, requested coverage, limits and effective date can change eligibility. The sources used here do not provide a complete state-by-product matrix. The actual proposal and policy forms determine coverage.
Is this an independent rating of Paragon Specialty Property?
No. Hedge is an insurance intermediary and has a commercial interest in helping agents place business. Our commentary explains the placement questions we draw from the cited material. It does not report a customer satisfaction score, firsthand claims experience or an endorsement by Paragon Specialty Property.
Read what we read.
Product facts were checked against the official material below on November 1, 2026. Our commentary is identified as Hedge’s analysis. Market websites and underwriting terms can change.
- Paragon Specialty Property official product information ↗Checked November 1, 2026
- Paragon Insurance Holdings operating identity ↗Checked November 1, 2026
Published by Hedge Specialty. Send a correction if a product or program has changed.
What stands out, and why it matters.
The layer is part of the submission, not a later detail.
Paragon describes expertise in layered and shared commercial property placements. [1]
Show the intended tower, attachment and participating markets. Compare the quoted layer with the program as a whole, including how losses and deductibles affect attachment and available recovery.
A mixed property schedule needs a location-level story.
Its stated appetite includes hospitality, habitational, public-entity, retail and industrial occupancies. [1]
Provide each location’s actual occupancy and values rather than one blended description. Catastrophe concentration and protection can differ sharply across a schedule and affect the terms offered.
Equipment breakdown and income require explicit values.
The product offering includes equipment breakdown within commercial property. [1]
Identify critical machinery and service dependencies, replacement times and business-income assumptions. Ask how the proposal treats interruption after equipment failure and whether the relevant limits and periods meet the need.