Empire Underwriter’s Endurance Commercial Package Program

Empire Underwriter’s Endurance Commercial Package Program

Novatae Risk Group gives retail agents fast access to the Empire Underwriter’s Endurance Commercial Package Program — a flexible package that combines broad property and ISO general liability coverage for small- to mid-sized commercial accounts. With in-house binding authority and streamlined service, you can get quotes, bind, and issue policies quickly across most states.

Program Highlights:

• SAME DAY QUOTE, BIND AND ISSUE!!
• $1,000,000 / $2,000,000 CGL limits on ISO forms – available standalone or packaged*
• Excess liability up to $5,000,000 available
• In-house authority for property up to $1,500,000 total value per location
• Higher property values up to $25,000,000 considered with a fast submission review

*Property coverage can include Building, Business Personal Property, Contractors Equipment, Business Income, and Extra Expense.

Program Features:

• Carrier capacity rated A-XV by A.M. Best
• $500 minimum premium
• $500 minimum deductible
• ISO general liability forms

Ideal Accounts and Target Industries:

This program offers flexible underwriting for many commercial risks. Typical fits include:

Target Contractor Classes:

Artisan contractors are welcome, including roofers, drywallers, plumbers, HVAC professionals, sewer contractors, appliance installers, metal erectors, painters, septic tank cleaners, and sign installers.

Property Options: Basic and Broad form available

Available Endorsements: Outdoor signs, lock replacement, fire extinguishing system expense, sewer backup, employee dishonesty, money & securities, food spoilage, forgery & alteration

Submission Requirements:

• ACORD 125 and 126 for general liability
• ACORD property and equipment forms when applicable
• Three years of currently valued loss runs

Territories and Availability:

Available in most states, including AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, and WV. Both admitted and non-admitted placements are possible depending on the state and the risk profile.

Underwriting Notes and Minimums:

This program favors accounts with clear occupancy/use, standard property exposures, and reasonably managed loss histories. Minimum premium starts at $500. For larger property schedules or higher limits, submit a full package (ACORDs + loss runs) for quick review — higher values up to $25M can be considered.

Why Work With Novatae Risk Group?

As a wholesale broker, Novatae Risk Group combines deep underwriting experience with access to A-XV rated admitted and non-admitted markets. The Empire Underwriter’s Endurance program offers competitive pricing, responsive service, and in-house authority so you can place or bind business quickly and confidently.

Example fits: You might have a neighborhood diner needing a packaged property/GL policy with a modest property value and liquor exposure, or a regional motel requiring multi-state placement with excess liability — both are typical accounts Novatae can handle efficiently.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.