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Commercial Umbrella Insurance for Condominium Associations New Empire Group offers a specialized Umbrella Insurance program designed to meet the unique liability exposures of Condominium Associations. As a trusted program administrator, we understand the risks associated with managing and maintaining residential condominium properties and provide tailored umbrella solutions to help your insureds stay protected beyond the limits of their primary coverage. Ideal Accounts and Appetite Our Umbrella Insurance program is ideal for residential condominium associations, co-op buildings, and similar community-managed properties. These accounts typically have general liability, directors and officers (D&O), and property coverage in place, but need additional protection against catastrophic losses. You might have a client managing a multi-building condo complex in Florida or a high-rise co-op in New York. Our program is designed to provide the excess liability coverage needed to protect against lawsuits stemming from bodily injury, property damage, or personal injury incidents on the premises. Coverage Highlights and Advantages Our PRIME Umbrella program provides flexible coverage limits ranging from $1 million to $100 million, allowing you to tailor protection based on your insureds’ needs and risk profile. Coverage includes: Bodily Injury Property Damage Personal Injury Advertising Injury All coverage is written on a fully admitted basis through top-tier carriers such as Chubb, AIG, Crum & Forster, and Ohio Casualty. This ensures a high standard of financial strength and claims handling your clients can trust. Underwriting Notes and Minimum Premiums Minimum premiums vary by territory and are based on the size and complexity of the account. We work closely with agents to assess exposures and deliver competitive solutions tailored to fit each insured’s risk profile. Our experienced underwriters are available to help you navigate submissions efficiently and effectively. Territories and Availability This program is available in all 50 states, including Washington D.C. Whether your clients are located in coastal regions with high catastrophe exposure or urban centers with dense populations, we have the flexibility and carrier partnerships to address their needs. Why Work With New Empire Group? New Empire Group is a national program administrator specializing in niche commercial real estate risks. Our deep industry knowledge, long-standing carrier relationships, and responsive service make us a valuable partner for agents and brokers seeking umbrella coverage for condominium clients. We offer fast turnaround times, flexible underwriting, and a commitment to helping you succeed in placing complex accounts. For more information about our Umbrella Programs for Condominium Associations and the additional products that we offer at New Empire Group, please give us a call or send us an email. Frequently Asked Questions What types of accounts are a good fit for this umbrella program?Residential condominium associations, co-ops, and planned communities with active board governance and standard primary liability coverages in place are an excellent fit. What is the minimum premium for this program?Minimum premiums vary by state and account size. Contact us for a tailored quote based on your client's location and risk profile. Is this program admitted in all states?Yes, our umbrella program is fully admitted in all 50 states and Washington D.C. Who are the carriers backing this program?Coverage is written through top-rated carriers including Chubb, AIG, Crum & Forster, and Ohio Casualty. Can I submit accounts located in catastrophe-prone areas?Yes, we have flexibility to consider accounts in CAT-exposed regions, though underwriting will review each submission individually. Need help placing an account? Connect with a market specialist.

Expertise. Solution. Service. MAXIMUM offers a specialized Condominium Unit Owners Liability (H06) program that helps independent agents and brokers place liability and limited dwelling exposures for clients who own or rent condominium or cooperative units. The program supports owner-occupied, seasonal and short-term rental uses with flexible underwriting and broad options designed for condo living. Ideal Accounts and Appetite This program is focused on individual unit owners and similar named insureds. Acceptable risks include: • Individual owners of condominium or cooperative units • Units titled to a trust, estate, LLC, family partnership or limited partnership • Coastal properties (wind/hail excluded) • Units used as short-term rentals (Airbnb, VRBO) subject to underwriting • Applicants with one prior loss in the past three years • Protection classes 1–9 Example accounts: a retiree who rents a beach condo part-time and needs liability and loss assessment protection; or a couple who own an urban high-rise co-op seeking personal liability, personal property and loss-of-use coverage. Coverage Highlights and Advantages MAXIMUM's H06 solution provides competitive limits and built-in features to address typical condo exposures: • Coverage A (Dwelling) up to $500,000 • Coverage C (Personal Property) up to $200,000 • Coverage D (Loss of Use) up to $50,000 • Loss Assessment coverage up to $50,000 • Personal Liability limits up to $1 million • Medical Payments included at $5,000 • Personal Injury included automatically Additional benefits include the option to add the condo association as an additional insured and access to vendor services such as identity theft protection, tenant screening and HR tools to enhance the client offering. Underwriting Notes The program is underwritten with flexibility to accommodate a range of condo risks. Deductible options include: • $500 base deductible for non-coastal units occupied annually (owner or renter) • $1,000 base deductible for seasonally occupied units Common ineligible risks: • Units purchased by companies for employee use • Units with woodstoves or supplemental space heaters • Units with business, child care, or farm exposures • Units under renovation • Units rented to college students or housing roomers/boarders • Units in protection class 10 or located in AK, AL, CA, FL, HI, KY, LA, MS, or WV Territories and Availability This H06 program is available in most U.S. states listed below, and is offered on an admitted basis in most of those territories. It is not currently available in AK, AL, CA, FL, HI, KY, LA, MS, or WV. Available states: AZ, AR, CO, CT, DE, GA, ID, IL, IN, IA, KS, ME, MD, MA, MI, MN, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WI, WY. Why Work With MAXIMUM? As a wholesale broker focused on specialized personal lines, MAXIMUM gives agents access to tailored H06 coverage, responsive underwriting and online quoting/binding. Our team helps place complex or non-standard condo risks and supports value-added services that make your submissions more competitive. You’ll get direct underwriting guidance and the infrastructure to move business quickly. Please reach out to us today by phone or email with any questions and to discuss how we can assist in this process. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include individual condo or co-op unit owners—occupied full-time, seasonally, or used as short-term rentals. Trusts, estates, LLCs and partnerships are eligible as named insureds. Are short-term rental units eligible for coverage?Yes. Short-term rentals such as Airbnb or VRBO are acceptable provided other underwriting criteria are met. Can the condo association be added as an additional insured?Yes. The program allows adding the condo association as an additional insured to address shared liability concerns. Are there any states where this program is not available?Yes. The program is not available in AK, AL, CA, FL, HI, KY, LA, MS, or WV. What are common reasons a risk might be ineligible?Ineligible risks typically include units under renovation, properties with woodstoves or space heaters, business or childcare exposures, units rented to college students or housing roomers/boarders, and locations in protection class 10. Need help placing an account? Connect with a market specialist.

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CondoPak Property & General Liability Package Program CondoPak is a proprietary insurance package created exclusively by New Empire Group to address the combined property and liability exposures of cooperative, condominium, and community associations. The program bundles broad property enhancements with general liability protection and optional higher limits, giving agents a focused, flexible solution to place association risks more efficiently. Ideal Accounts and Appetite CondoPak is designed for well-maintained residential community associations, including: Condominium associations Cooperative housing communities Planned unit developments (PUDs) Preferred risks are associations with quality construction—fire resistive, joisted masonry, or superior frame—and with total insured values up to $25 million. The program is not intended for apartment-style rental buildings, short-term rental operations, or properties with significant deferred maintenance or unresolved safety issues. Coverage Highlights and Advantages CondoPak includes a robust set of coverages and optional enhancements tailored to community associations: Unique Property Broadening Endorsement 20+ customizable property enhancements Optional higher limits for select exposures: Earthquake Ordinance or law coverage Backup of sewer/drains and water damage Employee dishonesty Equipment breakdown coverage In-house underwriting authority for key endorsements, including: Commercial umbrella Directors & Officers (D&O) Environmental pollution Cyber liability / personal data security Fast turnaround on quotes and binding for complete submissions Underwriting Notes The program is underwritten through an “A” rated admitted carrier (HDI Gerling), providing admitted paper where available. New Empire Group will consider risks with up to $25 million in total insured value and focuses on well-managed associations with acceptable loss history and construction types. There is no published minimum premium; however, complete submissions receive priority handling and faster response times. States and Availability CondoPak is available on an admitted basis in these states: AL, DE, GA, IL, IN, KY, ME, MD, MA, MI, MS, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, WV, WI If your client’s property is located in one of the states above, CondoPak can be a competitive admitted option for condo and community association placements. Why Work With New Empire Group? New Empire Group is a program administrator with deep experience in community association insurance. Agents benefit from dedicated underwriting authority, access to tailored endorsements, and a program built specifically for condominium, co-op, and HOA risks. The team emphasizes responsive service, straight-forward submission requirements, and quick quote turnaround to help you grow your association book. Typical scenarios that fit CondoPak include a self-managed condo association seeking admitted property and liability coverage with higher ordinance limits, or a medium-sized HOA (well-maintained, centralized management) needing equipment breakdown and cyber options alongside general liability protection. Frequently Asked Questions What types of accounts are a good fit for this program?CondoPak is ideal for residential condominium associations, co-ops, and planned unit developments that are well maintained and built with acceptable construction types. Is this program written on an admitted basis?Yes. CondoPak is offered through an “A” rated admitted carrier, HDI Gerling, where the state allows admitted placement. Can I access higher limits for specific property exposures?Yes. Optional higher limits are available for earthquake, ordinance or law, backup of sewers and drains, water damage, and employee dishonesty, among other coverages. What is the maximum total insured value allowed?Properties with up to $25 million in total insured value are eligible under the program guidelines. How quickly can I get a quote?New Empire Group offers fast turnaround on quotes and binding, particularly for complete, well-documented submissions. Need help placing an account? Connect with a market specialist.

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