Ideal Accounts and Appetite
Our Umbrella Insurance Program targets residential apartment buildings of various sizes and configurations. Whether your client owns a single mid-rise property or a larger portfolio of multi-family units, we can design a solution that fits. The program is built to support insureds with clean loss histories who need higher limits due to lender requirements, tenant volume, or asset protection strategies.
You might have a client who owns a 50-unit building in a metropolitan area and wants to increase their liability limit to meet lender demands. Or perhaps a property investor expanding their portfolio across multiple states needs a scalable umbrella solution. This program is built for those types of accounts.
Coverage Highlights and Advantages
Our umbrella policies provide excess limits ranging from $1 million up to $100 million. Coverage extends over the insured’s underlying policies, offering peace of mind and financial protection in high-severity loss scenarios. The umbrella policy insures against a variety of risks, including:
• Bodily Injury
• Property Damage
• Personal Injury
• Advertising Injury
Through our established relationships with top-rated carriers—including Chubb, AIG, Crum & Forster, and Ohio Casualty—we’re able to offer tailored coverage with strong financial backing.
Underwriting Notes and Minimum Premiums
Minimum premiums for this program vary by territory and risk characteristics. Underwriting focuses on property condition, location, occupancy, and loss history. We work closely with our agent partners to assess each submission and deliver responsive quotes that align with your client’s needs and budget.
Territories and Availability
New Empire Group’s Umbrella Insurance for Apartment Buildings is available on an admitted basis in all 50 states and DC, including key markets such as NY, CA, FL, TX, and IL. Whether your insured operates in a single state or across multiple regions, we can help you place their umbrella coverage efficiently.
Why Work With New Empire Group?
With deep expertise in real estate-focused insurance programs, New Empire Group brings value to agents and brokers through knowledgeable underwriting, quick turnaround, and access to premier markets. Our team understands the complex liability exposures faced by apartment building owners and offers solutions built to support your clients’ long-term growth and risk management goals.
For more information about our Umbrella Insurance for Apartment Buildings and other specialty programs offered by New Empire Group, please give us a call or send us an email.
Frequently Asked Questions
What types of apartment buildings are eligible for this umbrella program?
This program is designed for residential apartment buildings, including mid-rise and high-rise structures, with professional management and favorable loss histories.
What limit options are available through this umbrella program?
We offer umbrella coverage limits starting at $1 million and going up to $100 million, depending on the size and needs of the account.
Is this program available in all states?
Yes, the program is available in all 50 states and Washington, DC, on an admitted basis.
Which carriers support this program?
Our umbrella policies are backed by top-rated carriers such as Chubb, AIG, Crum & Forster, and Ohio Casualty.
What information is needed to submit a risk?
Submissions typically require a completed application, schedule of locations, current underlying policies, and loss runs. Our team will guide you through the submission process.
Need help placing an account? Connect with a market specialist.