Overview — New Empire Group Excess Liability Program
New Empire Group offers an admitted excess liability program for real estate risks administered with capacity from Crum & Forster and an A.M. Best "A" XIII-rated carrier. The program is structured for real estate owners, managers and associations that need higher limits and follow-form excess coverage over primary liability lines. You can place admitted excess policies nationwide (all 50 states and DC) with flexible limits up to $100M.
Ideal Accounts and Appetite
- Condominium, homeowners, and community associations
- Apartment buildings, garden apartments, and multi-family complexes
- Office, commercial and light industrial buildings (LRO acceptable)
- Cooperatives and independent living residences
The program targets standard to moderately complex real estate operations with well-managed loss exposures. It is well suited for insureds that require admitted paper, high limits, and follow-form excess over GL, Auto, D&O and Workers’ Compensation.
Coverage Highlights and Advantages
- Admitted excess policies — easier placement for mortgagees, lenders and large institutional clients.
- Follow-form wording over common underlying lines to maintain coverage consistency.
- Limits up to $100,000,000 to support large or catastrophic exposures.
- Individual policy issuance simplifies account-level terms and endorsements.
- Underwritten capacity from a financially strong carrier (Crum & Forster).
Underwriting Notes and Minimum Premiums
Underwriting focuses on the quality of the underlying primary programs, loss history, risk management practices, and operation type. Minimum premiums and final pricing vary by territory — see “Varies by Territory” for minimum premium guidance. You should submit current underlying policies, loss runs (typically 5 years preferred), and a statement of operations to begin evaluation.
Territories and Availability
This excess liability program is admitted and available in all 50 states and the District of Columbia. For state-specific filing or regulatory questions, consult New Empire Group underwriting as placement requirements can vary by state.
Why Work With New Empire Group
- Program administrator expertise in real estate casualty lines and admitted solutions.
- Direct access to an A-rated carrier and admitted paper — helpful for institutional clients and complex accounts.
- Flexible limits and individual policy issuance allow tailored placements at the account level.
- Responsive underwriting for timely quotes on mid- to large-limit excess needs.
For more information on this excess liability insurance program for real estate and other programs offered by New Empire Group, please visit www.newempiregroup.com.
Frequently Asked Questions
What types of real estate accounts is this excess program best for?
This program is best for condominium and homeowners associations, apartment and garden-style complexes, office and commercial buildings, cooperatives, and independent living residences that need admitted excess limits and follow-form coverage over their primary liability programs.
Does the program write admitted paper everywhere?
Yes — the program is admitted in all 50 states and available in the District of Columbia. Specific state filings and premium taxes may affect placement details, so check with underwriting for state-specific requirements.
What information should I submit for a quote?
Provide current underlying policies, five years of loss runs (if available), a description of operations, payroll/units and limits requested. Underwriting may request supplemental information for large or complex accounts.
How are limits and minimum premiums handled?
Limits are available up to $100,000,000. Minimum premiums vary by territory — New Empire Group underwriting will confirm territory-specific minimums and pricing during the quote process.
Need help placing an account? Connect with a market specialist.