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CLJ Insurance Services, LLC specializes in providing catastrophe insurance products & solutions to Agents/Producers & Consumers. CLJ offers a variety of property & casualty insurance products designed to protect customers from catastrophic losses. Products include earthquake & hurricane insurance coverage through highly rated Insurance Companies which may not be readily available from other insurance providers in the marketplace.
CLJ was formed & is led by Craig L. Justice, CPCU, President, & CEO. Mr. Justice has over 30 years of experience in the insurance industry & marketplace including former Executive/Officer positions at large & regional multi-state Insurance Companies, MGAs & Agencies. He has a successful, proven track record providing valuable products & services to Agents/Producers & consumers in California, Hawaii & the Pacific, Gulf & Atlantic Coasts.
CATASTROPHE INSURANCE SOLUTIONS
Residential Earthquake Insurance
Stand-Alone Earthquake Insurance in CA, OR & WA
Available for homeowners, rental dwellings & condo unit-owners.
Limits up to $15M insured values.
Separate coverages & limits for dwelling with optional coverages for other structures, personal property & loss of use
Deductibles as low as 2.5% that apply separately to each coverage limit. Deductibles up to 25% are available for significant discounts.
No age, retrofitting, height, slope or geographic restrictions.
Admitted programs underwritten by A.M. Best highly rated Companies.
Commercial Earthquake Insurance
Commercial Earthquake Programs
Limits up to $15M insured values.
Earthquake & DIC coverage with optional coverages available for:
Earthquake Sprinkler Leakage
Business Income
Building Ordinance or Law
Flood
Deductible options from 5%+
Apartments, Condos, Office/Professional Buildings, Mercantile/Shopping Centers, Hotel/Motel, Course of Construction.
Low minimum premiums.
Admitted programs underwritten by A.M. Best 'A-' (Excellent) rated Companies.
Residential Hurricane Insurance
Stand-Alone Hurricane Insurance in Hawaii
Available for homeowners, rental dwellings & condo unit-owners.
Limits up to $10M insured values.
Separate limits for Dwelling with optional coverages for Other Structures, Personal Property & Loss of Use.
Deductibles as low as 1% and up to 15% of insured value for discounts.
Admitted program underwritten by A.M. Best ‘A-‘ (Excellent) rated Company.