Differences in Conditions

As you likely know, the Oregon FAIR Plan offers only basic coverage via the DP-1 contract. There is no liability coverage, nor is there coverage for perils such as theft or water damage.

Many of you have been asking for ways to provide your clients with more significant coverage to protect their homes. We are happy to announce a new partnership with ACCESS ONE80 which provides a network of insurance solutions, including a DIC offering through Hamilton Insurance DAC.

Access One80 writes this program on non-admitted paper in Oregon, so they do not need approval from the Department of Insurance. Hamilton Insurance DAC is part of the Surplus Lines Association and is approved to transact in Oregon as a non-admitted carrier (see below).

Agents who wish to write with this program with Hamilton Insurance DAC will need to get appointed with One80 Intermediaries Inc (the program administrator), which is a relatively easy process via their website. You will need to have an active Errors and Omissions (E&O) policy and be licensed and in good standing with the State of Oregon. Once appointed you will be able to submit policy applications via a portal and One80 will send the quote directly back to you.

With this option, Hamilton Insurance DAC will match the coverage limits offered by the FAIR Plan and basically “wrap” it into a HO-3 with liability, excluding the perils covered by the FAIR Plan. Please visit the “Access One80” website for further information.

Any questions may be sent directly to One80 Intermediaries Inc.

W: https://accessone80.com/

access one80