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Alliance Insurance Group Knowledge Center

Below you will find our library of information written and compiled by industry experts. Discover resources for your questions regarding multiple industries and insurance solutions. Learn about professional liability, cyber security, property casualty, risk management, and more. Contact your Alliance Insurance Group broker for more information.

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Understanding Catastrophic Event Property Deductibles

Published by Jennifer Walker on Sep 19, 2018

A catastrophic event property deductible (“CAT deductible”) differs from a traditional property insurance deductible. CAT deductibles are a significantly higher out-of-pocket expense to the policyholder and apply to specific perils (e.g. named storm, hurricane, flood and earthquake) rather than to all perils. The appearance of CAT deductibles emerged as a way for insurers to offer property insurance in high catastrophic risk areas while keeping the coverage affordable, although policyholders will likely disagree on this point.


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