US General Property Insurance

As the US-based subsidiary of MS&AD Insurance Group Holdings, Inc.—with A+ ratings, a 350-year heritage, and a reach that spans 40+ countries and regions—we bring the underwriting excellence, financial stability, and expertise to help owners of US-based properties protect against the most challenging risks.

We are equipped to provide coverage for US-based properties on a shared and layered basis, both admitted and non-admitted, focusing on assets with total insured values over $500 million, for soft occupancies such as these:

• Commercial real estate
• Residential real estate
• Hospitals and other healthcare institutions
• Schools and universities
• Municipalities
• Hotels and casinos
• Retail

Our competitive program structures can include coverage for perils such as flood, earthquake, and named windstorm in Tier 1 counties, and we can underwrite international exposures on an incidental basis. With the ability to provide up to $100 million in coverage per occurrence, MSIG USA helps large, soft occupancy risks protect against financial loss.

Are you a multinational company?

Learn about the full range of coverages we offer for multinationals

We bring the technical expertise to protect your property

Our highly experienced and skilled underwriting team combines deep expertise, knowledge of your industry, and a technical risk analysis approach to assess your exposures and recommend the right property insurance coverage to mitigate them.

With highly experienced underwriters assessing risk and structuring insurance programs, you can count on MSIG USA for commercial property coverage that is highly customized to the specific risks your US-based facility faces.

We deliver much more than insurance

You expect a property insurance carrier to provide much more than a policy, and we agree.

MSIG USA delivers the responsive, personalized service you deserve, across every function of our organization, through a network of dedicated, experienced professionals. We build a long-lasting relationship with your organization, providing consistency and reliability to give you confidence that we will be there for you, year in and year out. For properties we underwrite on a primary basis, our risk engineering consultants can help you prevent loss through services like risk assessment, loss analysis, and assistance with safety programs. And in the event your property experiences a loss, our claims team will draw on decades of experience and proven best practices to ensure the claims process runs smoothly.