Empire Underwriter’s Endurance Commercial Package Program
Novatae Risk Group offers retail insurance agents access to the Empire Underwriter’s Endurance Commercial Package Program—designed to provide broad property and general liability coverage for a wide range of small to mid-sized commercial accounts. With in-house authority and fast turnaround on quotes, binding, and issuance, this program is ideal for agents looking to quickly and competitively place business in 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 Coverage up to $5,000,000 Available
- In-House Authority for Property Coverage Up to $1,500,000 Total Value per Location
- Higher Property Values up to $25,000,000 Considered with Fast Submission Review
*Property coverage includes Building, Business Personal Property, Contractors Equipment, Business Income, and Extra Expense.
Program Features:
- Carrier 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 a wide array of commercial risks, including but not limited to:
- Apartments
- Office Buildings
- Restaurants
- Health Clubs
- Plant Nurseries
- Retail Stores
- Gas Stations
- Bed & Breakfasts
- Upholsterers
- Hardware & Appliance Distributors
- Mini-Golf Facilities
- Gun Clubs
- Video Stores
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- Barber & Beauty Shops
- Home Improvement Stores
- RV Parks
- Funeral Homes
- Sport & Health Clubs
- Theatres & Museums
- Taxidermists
- Auto Parts Distributors
- Hotels & Motels
- Open Air Parking Lots
- Printers
- Warehouses
- Vacant Land & Properties
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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 Coverage 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 forms for Property and Equipment when applicable
- Three years of currently valued loss runs
Territories and Availability:
This program is 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 options are available depending on the risk and jurisdiction.
Why Work With Novatae Risk Group?
As a leading wholesale broker, Novatae Risk Group offers deep underwriting experience and access to top-rated carriers, including A-XV rated markets. The Empire Underwriter’s Endurance Commercial Package Program is backed by responsive service, in-house binding authority, and competitive pricing for a wide variety of commercial and contractor classes. Whether you're placing a standalone GL policy for a landscaper or a full package for a regional motel, Novatae provides the tools you need to serve your clients with confidence.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for small to mid-sized commercial properties, artisan contractors, and various retail and service classes such as restaurants, apartments, beauty salons, and warehouses.
Can I bind coverage the same day?
Yes, Novatae offers same-day quote, bind, and issue services for qualifying submissions with complete documentation.
What documentation is required to submit a risk?
You’ll need ACORD 125 and 126 forms for GL, applicable property/equipment ACORDs, and 3 years of loss runs.
Is this program available on an admitted basis?
Yes, both admitted and non-admitted options are available depending on the state and the risk profile.
What is the minimum premium?
The minimum premium starts at $500, making the program accessible for smaller accounts.
Need help placing an account? Connect with a market specialist.