Information for Producers and Insurers
There are three ways in which C-MAP coverage can be obtained:

The first is "self-certification" where a C-MAP participating company provides coverage through a producer with whom it has a contractual relationship. As a C-MAP participant, a company may accept an application for property that would not normally qualify under the company's proximity to shore underwriting guidelines. The C-MAP Coastal Application is not required. The application process follows normal company procedures. A company representative would then submit a "self-certification" form to the CT FAIR PLAN.

The following companies have agreed to participate in C-MAP and to self-certify coastal properties subject to their underwriting guidelines:
Allstate Insurance Company
Arbella Insurance Group
Hanover Insurance Company
Hartford Insurance Group
Liberty Mutual Insurance
Metropolitan Property and Casualty
New London County Insurance
Travelers Property Casualty Group

The second option can be used if the risk cannot be placed in the voluntary market. The FAIR Plan offers a “Stand-Alone” C-MAP Coastal Policy (DP-2 Broad Form). A third option is the C-MAP participating insurer issuing an HO-4 "Wrap-around Policy". This policy requires an applicant to maintain building coverage with CT FAIR Plan's "Wrap-Around" Coastal Policy, for the DP-2 named perils, as a condition for the issuance of the voluntary market HO-4 policy (contents and liability). Both policies must be in force at all times. A copy of the HO-4 "Wrap-Around" policy must be sent to the FAIR Plan every year. Options 2 & 3 require completion and signing a C-MAP Coastal Dwelling Fire DP-2 Application (the "Wrap-Around" or the "Stand-Alone") and submitting it to the FAIR Plan for consideration. The application will be returned unprocessed if incomplete and/or the required attachments are not received. The CT FAIR Plan will be ordering inspections on all applications to evaluate the eligibility in the C-MAP program

If you would like more information, please contact the CT FAIR PLAN C-MAP Administrator at 860-528-9546.