You'd better make sure you are legally allowed to insure against punitive damages in your state --- It is illegal in Ohio for example. There are offshore (Bermuda) companies who will write coverage for punies but the suit has to be filed in a state that allows you to insure against them and the prem...

Thank you for the info. I called Citizens but since we, nor our agent, are licensed with Citizens they won't provide the info. We are considering purchasing apartment and other commercial properties in Fl, but I am concerned about the insurance coverage we will have to live with. Do they write blank...

Can anyone provide me with the policy forms for Citizens commercial property for a Florida apartment complex? Do they use ISO or have their own forms?