Search CompleteMarkets

How to pay for your auto insurance policy? The policy normally is valid for 6 months, and renews every six months, although some policies are annual. You can change auto insurance at any time and get a pro-rated refund if due. Most carriers will give you multiple payment options – Monthly auto debit from your bank account. Pay by mail/check (includes a service fee) Quarterly or bi-monthly payments. What auto insurance coverages follow the driver and what coverages follow the vehicle? You will need to double check with your agent and/or insurance carrier who will help you understand your policy and its exclusions, but, in general – Liability insurance follows the driver to any eligible vehicle driven by the insured. Comprehensive and Collision insurance however are related to the vehicle and follow the covered vehicle. But, many conditions apply, the most common of which is that the ‘loaned’ vehicle must have been driven with explicit permission from the person loaning (the primary insured) the vehicle. Exceptions apply, get in touch and we will help you understand your policy exceptions and coverages. To learn more from our experts in the Long Beach, CA and surrounding areas, get in touch with us. What affects the price of auto insurance? Insured Driver and Additional drivers profile Age Driving history Credit profile Insured Automobile Type and age of vehicle Cost of vehicle Safety options on the vehicle (type of brakes, body construction, crash test data etc) Estimated miles expected to be driven Other Deductible Amount – the lower out of pocket deductible, the higher the insurance premium. Amount of coverage limits – higher the coverage limits, the higher the premium. Additional and supporting insurance policies – examples of policies that support an auto policy Personal Umbrella Health Insurance Accident Insurance Our auto insurance experts are helping individuals and families in the Long Beach, CA and surrounding areas, on a daily basis. Give us a call.

Directors and Officers Liability Insurance Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a comprehensive Directors and Officers (D&O) Liability Insurance program tailored to address the evolving risks faced by executives and board members. As a wholesale broker with access to multiple carriers, First Choice provides insurance agents and brokers with a reliable market to place D&O coverage for privately held companies, publicly traded firms, and non-profit organizations. Ideal Accounts and Appetite This D&O program is designed for a broad range of businesses and organizations where leadership could be exposed to personal liability due to management decisions. Target classes include: Privately held and publicly traded companies Non-profit organizations and associations Educational institutions and healthcare entities Technology firms and financial services companies Accounts with a stable financial history and strong internal governance are typically a good fit. You might have a client who recently brought in new investors and needs D&O coverage to protect the board, or a growing non-profit where the board of directors is concerned about fiduciary responsibility exposures. Coverage Highlights and Advantages Directors and Officers Liability Insurance provides essential protection against claims arising from alleged wrongful acts committed by directors and officers in their capacity as leaders. Policies typically include: Insuring Agreement A (A-Side Coverage): Direct coverage for directors and officers when the company cannot indemnify them. Insuring Agreement B (B-Side Coverage): Reimbursement to the company when it indemnifies its directors and officers. Optional Entity Coverage: Protection for the corporation against securities-related claims, if applicable. Defense Costs: Covered for investigations, regulatory actions, and lawsuits. This program is structured to address both individual and corporate exposures, making it a strong solution for clients facing increasing scrutiny from shareholders, regulators, or the public. Underwriting Notes and Minimum Premiums First Choice works closely with agents to evaluate financials, loss history, and management practices. While minimum premiums are not listed, submissions should include full applications, financial statements, and claims history for best consideration. Non-admitted options provide greater underwriting flexibility for complex or higher-risk exposures. Territories and Availability This D&O insurance program is available on a non-admitted basis in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA, and WI. First Choice offers regional expertise backed by national market access. Why Work With First Choice Insurance Intermediaries, Inc.? As a trusted wholesale broker, First Choice Insurance Intermediaries, Inc. brings deep experience in D&O and executive liability lines. They offer responsive service, a diverse carrier network, and the underwriting insight agents need to place complex risks. Whether you're working with a startup or a mature company, First Choice can help you deliver tailored solutions that protect your clients’ leadership teams. Frequently Asked Questions What types of accounts are a good fit for this D&O program?This program is ideal for private and public companies, non-profits, and professional organizations with board-level exposures and a need for executive protection. Does this program offer entity coverage for securities claims?Yes, many policies available through First Choice offer optional entity coverage for securities-related claims, subject to underwriting approval. Is the coverage admitted or non-admitted?This program is written on a non-admitted basis, allowing for greater flexibility in underwriting and coverage customization. What underwriting information is needed to submit a risk?Typical submissions should include a completed D&O application, current financial statements, and a history of any past claims or litigation involving directors or officers. In which states is this program available?This program is available in 30 states, including CA, FL, NY, TX, IL, and others. See the full list above for complete availability. Need help placing an account? Connect with a market specialist.

Overview — Environmental Consultants Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers an Environmental Consultants Program designed for agents and brokers placing environmental consulting firms that need comprehensive wraparound protection. The program combines General Liability, Contractor's Pollution Liability, and Professional Liability to address the varied third-party and professional exposures consultants face while performing site assessments, remediation oversight, laboratory work, and related services. Coverage Highlights and Advantages The program features broad policy language tailored for environmental consulting operations, including an expansive definition of professional services and a wide definition of "your work" that captures work performed by, or on behalf of, the named insured. Highlights include: Primary coverages: General Liability, Contractor's Pollution Liability, and Professional Liability. Flexible limits: Capacity up to $25 million for eligible accounts. Broad professional definitions: Policies are written to reflect the typical scope of environmental consulting work, including work performed by subcontractors or agents. Additional coverages are available on select classes: Primary Commercial Auto Follow Form Excess Premises Pollution Liability Products Pollution Liability Ideal Accounts and Appetite This program is targeted at environmental consultants whose operations are primarily environmental in nature. Preferred classes include consultants who perform professional services such as: Testing, monitoring, or conducting remedial feasibility studies of pollutants Design of systems, protocols, or remedial action programs for remediation or abatement of pollutants Phase I, Phase II, or Phase III environmental assessments and remedial investigations Storage tank and pipeline integrity testing Laboratory analysis of pollutants Project management of remediation activities Environmental compliance, permitting, training, or safety consulting services Restricted classes: Firms with greater than 50% of gross revenue derived from non-environmental operations or services are typically not a fit for this program. Underwriting Notes and Minimum Premium Underwriters evaluate accounts based on scope of services, project size, past claims history, subcontractor controls, and revenue mix. The program is best for firms with an environmental focus and documented controls for field work and laboratory procedures. Accounts with significant contractor-style pollution exposure are considered, provided appropriate risk controls are in place. Minimum premium: $2,500. Larger or higher-risk placements may require higher premiums and additional submission materials (e.g., proposals, past loss runs, resumés of key personnel, sample contracts). Territories and Availability This program is available in the following jurisdictions: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MI, MS, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA, WI. Availability may vary by state and submission—contact First Choice Insurance Intermediaries, Inc. for current territorial appetite. Why Place This Business With First Choice Insurance Intermediaries, Inc. As a wholesale broker, First Choice Insurance Intermediaries, Inc. specializes in placing environmental consultant risks with carriers that understand the technical and professional nature of these services. The program's strengths include broad professional definitions, flexible limit structures up to $25 million, and optional coverages that let you tailor terms to the account. Example scenarios that often fit well: A mid-sized environmental consulting firm that performs Phase I–III assessments and oversees remediation projects—needs combined professional and pollution liability limits and primary GL. A laboratory specializing in pollutant analysis that requires Contractor's Pollution Liability and Professional Liability for analytical errors and sample handling. If you have a client with primarily environmental operations and documented risk controls, submit detailed applications and loss history to First Choice Insurance Intermediaries, Inc. to access this program's capacity and specialty underwriting. Frequently Asked Questions What types of accounts are a good fit for this program?Environmental consulting firms whose primary revenue comes from testing, site assessments, remediation design/oversight, laboratory analysis, compliance, or related professional services. Firms with clear project controls and limited non-environmental revenue are preferred. What coverages are included and what limits are available?The program combines General Liability, Contractor's Pollution Liability, and Professional Liability. Additional options on select classes include Primary Commercial Auto, Follow Form Excess, Premises Pollution, and Products Pollution. Capacity is available up to $25 million for eligible accounts. Are there classes or operations you will not accept?Firms with more than 50% of gross revenue from non-environmental operations are typically restricted. Accounts with extensive contractor operations without environmental controls, or unacceptable loss histories, may also be declined. What is the minimum premium and what submission materials are needed?Minimum premium is $2,500. Submissions should include a completed application, current loss runs, description of services performed, sample contracts, and resumés of key technical staff when available. Need help placing an account? Connect with a market specialist.

...g a road trip from Arizona to the beaches of Mexico—these are perfect candidat...

Overview — Surety & Fiduciary Bond Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a dedicated Surety & Fiduciary Bond program designed for agents and brokers who need a reliable wholesale market for commercial surety, fiduciary and related public official bonds. As a wholesale broker, First Choice helps you place bonds that guarantee contract performance, honest fiduciary administration, and a range of commercial obligations your clients must meet to do business or comply with licensing and court requirements. What this program covers The program includes traditional surety and fiduciary instruments as well as a broad selection of commercial bonds. Below are concise definitions and the core commercial bond types we handle: Surety Bond - A three-party agreement that guarantees a principal will carry out their contractual obligations or compensate the obligee for losses if the principal fails to perform. Fiduciary Bond - Bonds that guarantee an honest accounting and faithful performance of duties by administrators, trustees, guardians, executors and other fiduciaries responsible for managing assets or estates. Commercial Bond Notary public, license and permit bonds; public official, court, probate/fiduciary bonds; Medicare program supplier and contract bonds Bid bonds, payment and performance bonds, material and supply bonds, fidelity bonds for business operations Dishonesty bonds, janitorial service bonds, ERISA pension trust bonds Ideal accounts and target classes This program is aimed at agents placing a wide range of commercial clients, including: Small-to-mid-size contractors requiring bid, performance or payment bonds for municipal or private projects Businesses and professionals needing license, permit or fidelity coverage Trustees, executors, guardians and other fiduciaries who must post probate or fiduciary bonds Service contractors (janitorial, security, suppliers) and organizations needing dishonesty or ERISA bonds Typical accounts: a local general contractor bidding on municipal work, an executor required to post a probate bond, or a notary seeking a state-issued notary public bond. Coverage highlights and advantages Access to multiple surety and fiduciary markets through First Choice’s wholesale distribution Ability to place both standard commercial bonds and specialized public official/fiduciary obligations Streamlined submission process aimed at quick decisions for common bond types Guidance for documentation and underwriting expectations to help you prepare stronger submissions Underwriting notes and submission requirements Underwriting varies by bond type and carrier. Common items underwriters will request include signed applications, financial statements (when applicable), a copy of the contract or court order, and background information on principals. If your submission involves performance or payment bonds, provide project details, contract terms and owner information to speed review. First Choice works with carriers to place bonds efficiently; if you have an unusual exposure or complex project, flag it early so we can route the account to the appropriate market. Territories and admitted status Available in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TX, VA, WA, WI. Admitted availability varies by state and bond type—some bonds may be written on admitted paper in certain states and non-admitted in others. Contact First Choice for state-specific placement options. Why place this business with First Choice Insurance Intermediaries, Inc. Wholesale broker access—multiple carrier relationships for flexible placement options Experienced in both commonplace commercial bonds and niche fiduciary obligations Focused support for agents: clear underwriting checklists and help with documentation to reduce turnaround time If you have a bond submission, prepare the basic documentation outlined above and contact your First Choice wholesaler to discuss appetite, turnaround and any state-specific requirements. Frequently Asked Questions What types of accounts are a good fit for this Surety & Fiduciary Bond program?Good fits include contractors needing bid/performance/payment bonds, individuals required to post probate or fiduciary bonds, notaries and businesses needing license or fidelity coverage, and service providers requiring dishonesty bonds. First Choice focuses on small- to mid-size commercial accounts and common public official obligations. Which states are supported and is coverage admitted?The program is available in AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TX, VA, WA and WI. Admitted vs. non-admitted availability depends on the bond type and carrier—ask First Choice for state-specific options on each submission. What documentation should I include with a submission?Provide a completed bond application, contract or court order (if applicable), owner/obligee information, and financial statements or references when requested. For contractors, include project dollar values, contract terms and owner contact details to speed underwriting. Need help placing an account? Connect with a market specialist.

Target Classes: Attractions Aquariums Caves Fairs/Festivals/Special Events/Parades Tourist Attractions Zoos/Animal Exhibits Recreation Batting Cages Beach Clubs Bingo Parlors Bowling Centers Campgrounds/RV Facilities Camps Casinos/Other Gaming Community Centers Dude Ranches Go-Karts Golf Facilities/Miniature Golf Health Clubs Hunting & Fishing Operations Laser Tag Outfitters and Guides Ropes Courses Shooting Ranges Swimming Facilities & Clubs Tennis Clubs Whitewater Rafting Motorsports Driving Schools Race Teams/Racing Facilities Single Events Sponsors Sports Associations/Leagues/Teams Pari-Mutuel Racing - Horse/Dog Tournaments Sports Camps Venues Arenas/Stadiums/Athletic Fields Auditoriums Civic Centers Comedy Clubs Convention Centers Performing Arts Centers Sports League Facilities Theater/Amphitheaters Entertainment Circuses Concert Promoters/Stage Shows Entertainers/Musicians/Bands Comprehensive Sports and Entertainment Insurance from BSR Insurance BSR Insurance offers a specialized Sports and Entertainment Insurance program designed to help brokers and agents place a wide range of hard-to-insure risks in the entertainment, recreation, and sporting sectors. As an experienced Excess & Surplus Lines Broker, BSR works with a variety of carriers to provide access to tailored coverage solutions for complex, non-standard risks across 50 states. Ideal Accounts and Program Appetite This program is built for a broad spectrum of sports and entertainment operations, with a strong appetite for: Event organizers (Fairs, Festivals, Parades, Concerts) Sports leagues, teams, camps, and tournaments Recreational businesses (Bowling alleys, Laser tag, Ropes courses) Venues such as arenas, amphitheaters, theaters, and convention centers Motorsports including race teams, events, and sponsors Tourist attractions like zoos, aquariums, and caves Accounts with annual premiums ranging from $5,000 to $1,000,000 are within the target range. This program is not suitable for risks requiring Prize Indemnity or Event Cancellation Coverage. Coverage Highlights and Advantages BSR's program delivers flexible and targeted insurance designed to address the unique exposures of the sports and entertainment industries. Available coverages include: General Liability – Occurrence form with deductible and SIR structures Legal Liability to Participants Trainer’s Liability Horse/Dog Legal Liability Contingent Fireworks Liability Liquor Liability (when packaged with CGL) This flexibility is ideal for agents looking to place complex or unusual accounts such as a whitewater rafting outfitter, a multi-day music festival, or a regional sports league with participant risk exposures. Underwriting Guidelines and Premiums BSR targets a minimum premium of $5,000, with capacity to support larger risks up to $1,000,000 in premium. The underwriting team evaluates each submission on its merits, with a strong focus on risk management practices and prior loss history. While the program is non-admitted in all states, BSR’s market access and experience ensure efficient placement of accounts that fall outside standard markets. Availability Across the U.S. This program is available in all 50 states including the District of Columbia. Whether your client operates in California, Texas, New York, or any other U.S. jurisdiction, BSR can help you secure coverage for their operations. Why Work With BSR Insurance? BSR Insurance brings deep industry knowledge and strong carrier relationships to the table. As a true partner to independent brokers and agents, BSR provides responsive service, strategic underwriting insight, and access to markets that can handle unusual or high-risk entertainment and sports exposures. If you have clients in niche recreation, entertainment venues, or competitive sports, BSR is ready to help you place that business with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for sports leagues, entertainment venues, recreational operations, motorsports, and special events with premiums starting at $5,000. Are single-day or short-term events eligible for coverage?Yes, single events such as festivals, concerts, or races can be considered under this program depending on the risk and scope. Is Liquor Liability available on a standalone basis?No, Liquor Liability is only available in conjunction with the Commercial General Liability (CGL) coverage. Are admitted markets available for this program?No, this program is written on a non-admitted basis in all states through various E&S carriers. What is the turnaround time for quotes?Turnaround time depends on the complexity of the risk, but BSR strives to provide timely responses and efficient placement support. Need help placing an account? Connect with a market specialist.

Here at Rodgers & Associates Insurance, Inc., we specialize in providing comprehensive Agribusiness Insurance solutions for farms and ranches of all sizes and types across Kansas and surrounding states. Whether your client operates a small family farm or a large-scale agricultural enterprise, we offer tailored insurance programs that meet a wide range of operational needs throughout the Midwest and Southwest. We represent a broad spectrum of agricultural insurance carriers, allowing us to provide flexible coverage options and competitive pricing for a diverse set of agribusiness clients. Our access to virtually all major Agribusiness insurers in Phillipsburg, Kansas, gives us a unique position to help you place business with confidence. Ideal Accounts and Appetite Our Agribusiness program is designed for a variety of agricultural operations, including but not limited to: Family-owned and commercial farms and ranches Agricultural processors and crop dealers Custom harvesters and farm machinery contractors Vineyards and wineries Orchards and dairies Livestock and cattle operations Agricultural warehouses and storage facilities Whether your client grows crops, raises livestock, processes agricultural goods, or manages a mixed farming operation, we can craft a solution that suits their unique risks. Coverage Highlights and Advantages Our Agribusiness Insurance program offers a wide selection of coverages to help protect your clients from common exposures such as property damage, liability, employee injury, and vehicle-related losses. Key coverages include: Farm and Ranch Property & Liability Custom AgriBusiness Multicover Portfolios Workers Compensation for farm labor and ag professionals Business Auto and Truck Coverage Umbrella and Excess Liability Employee Benefits Options Surety Bonds for contract performance and compliance Our customizable programs allow you to balance premium costs with your client’s risk tolerance, and we assist with identifying potential credits and discounts to help reduce overall insurance expenses. Underwriting Notes and Submission Tips We work with both standard and specialty markets, primarily on a non-admitted basis, which allows us to be flexible in addressing non-traditional risks. Submissions that include full operational details, years in business, loss history, employee counts, and equipment schedules are typically reviewed more quickly. You might have a client with a mid-size dairy operation expanding into processing or a custom harvester with multiple trucks and seasonal workers. Our team can help you find the right carrier fit and coverage structure for these types of accounts. Territories and Availability This Agribusiness program is available in the following states: Arizona, Arkansas, Colorado, Iowa, Kansas, Minnesota, Missouri, Montana, Nebraska, New Mexico, North Dakota, Oklahoma, South Dakota, Texas, and Wyoming. Why Work With Rodgers & Associates Insurance, Inc.? With decades of experience serving agricultural communities, Rodgers & Associates Insurance, Inc. brings deep expertise and strong carrier relationships to help you place complex agribusiness risks. Our team understands the unique challenges your clients face and works closely with you to design efficient, cost-effective coverage programs. We simplify the process so you can focus on serving your clients and growing your book of business. Frequently Asked Questions What types of accounts are a good fit for this program?We’re a strong market for farms, ranches, ag processors, crop dealers, wineries, custom harvesters, and similar operations of all sizes across the Midwest and Southwest. Is this program available on an admitted basis?No, our Agribusiness program is offered on a non-admitted basis, which gives us more flexibility in coverage design and risk selection. Can you help with Workers Compensation for agricultural employees?Yes, we offer Workers Compensation coverage tailored specifically for farm and ag operations, including seasonal and part-time laborers. What information is needed to submit a risk?We recommend including full operational details, loss history, employee counts, vehicle and equipment inventories, and current coverage summaries for quicker turnaround. In which states is this program available?Our Agribusiness Insurance program is available in AZ, AR, CO, IA, KS, MN, MO, MT, NE, NM, ND, OK, SD, TX, and WY. Need help placing an account? Connect with a market specialist.

Here at Rodgers & Associates Insurance, we specialize in offering comprehensive Farm Insurance in Phillipsburg, Kansas and throughout the Midwest. We know farming is more than a business—it's a way of life. Whether your client runs a small family farm or a larger commercial operation, they face a wide range of property, equipment, and liability exposures that benefit from tailored insurance solutions. Overview of the Program From Rodgers & Associates Our Farm Insurance program helps agents place accounts that need flexible, agriculture-specific coverage. We write traditional row crop farms, livestock operations, and mixed-use agricultural businesses. Our team focuses on the exposures farms face every season—weather-related damage, equipment breakdowns, and liability tied to farming operations—and works with you to structure a policy that reflects the client’s operations and asset mix. Ideal Accounts and Appetite We are actively seeking farm accounts across CO, IA, KS, MO, ND, NE, OK, SD, and TX. Ideal submissions include: Row crop farms (corn, wheat, soybeans, etc.) Livestock operations (cattle, hogs, poultry) Mixed farming operations combining crops and animals Farms with owned or leased machinery and equipment Family farms transitioning toward more commercial agribusiness You might have a client who just purchased a new combine or installed an irrigation system, or a family farm with multiple tractors and outbuildings—these are typical fits for our program. Coverage Highlights and Advantages Policies can be customized with endorsements to provide broad protection for farm assets and operations. Available coverages include: Replacement cost valuation for farm machinery and equipment Protection for perils such as theft, fire, hail, wind, lightning, vandalism, and flood Glass breakage coverage for tractor cabs and equipment Options to address vehicle collision and overturning losses Listing equipment on the policy helps ensure accurate valuation and appropriate limits. We collaborate with agents to identify the right endorsements and limits based on the account’s mix of land, buildings, and equipment. Underwriting Notes Rodgers & Associates takes an agent-first approach to underwriting. Each submission is reviewed on its own merits; we welcome pre-submission conversations to identify whether an account is a likely fit. This program is written on a non-admitted basis—reach out to discuss carrier structure and any state-specific considerations. Clear descriptions of operations, equipment inventories, and recent loss history help speed placement. Territories and Availability This Farm Insurance program is available in Colorado, Iowa, Kansas, Missouri, North Dakota, Nebraska, Oklahoma, South Dakota, and Texas. Our underwriters understand regional agricultural practices and common exposures in these states, and can tailor coverage to local needs. Why Work With Rodgers & Associates Rodgers & Associates brings deep experience in agricultural insurance and a practical underwriting style that helps agents place complex farm risks. We focus on responsive service, regional knowledge, and customizable policy structures so your clients get protection that fits their operations. Work with us when you need a market that understands farm equipment values, seasonal exposures, and mixed-use operations. Frequently Asked Questions What types of farm accounts are the best fit for this program?We specialize in row crop farms, livestock operations, and diversified agricultural businesses. Accounts with significant equipment, outbuildings, or mixed operations typically fit well. Is replacement cost coverage available for farm equipment?Yes. We offer replacement cost options for machinery and equipment to help protect clients from the financial impact of a total loss. Which states is this program available in?This program is available in CO, IA, KS, MO, ND, NE, OK, SD, and TX. Can I submit a farm with multiple types of operations, like crops and livestock?Yes. We welcome mixed-use farms and can tailor coverages to address multiple operational exposures on the same policy. Is this program admitted or non-admitted?This program is written on a non-admitted basis. Contact us to discuss carrier details and policy structure for your submission. Need help placing an account? Connect with a market specialist.

CondoPak: Property and General Liability for Community Associations New Empire Group offers CondoPak, a specialized insurance program designed specifically for small to medium-sized condominium and cooperative associations. This admitted program is underwritten by HDI Gerling and provides a comprehensive package of property and general liability coverages tailored to meet the unique risks faced by community associations. Ideal Accounts and Appetite CondoPak is an excellent fit for residential condo and co-op associations that are fire resistive or joisted masonry construction types. The program targets accounts with total insured values up to $25,000,000. At this time, frame construction buildings are not eligible. You might have a client managing a 40-unit brick condominium complex in a suburban market or an urban co-op with fire-resistant construction—these would be strong candidates for CondoPak. Coverage Highlights and Advantages CondoPak includes a broad suite of coverages and endorsements designed to protect both the property and liability exposures of community associations. Key features include: Earthquake Coverage Ordinance or Law Coverage Backup of Sewers and Drains / Water Damage Employee Dishonesty Equipment Breakdown Flood Coverage (if qualified) In addition to standard protections, the program includes property broadening endorsements and the flexibility to customize coverage to meet the specific needs of your insureds. Underwriting Notes The program is written on admitted paper with an "A" rating by AM Best. Eligible buildings must be fire resistive or joisted masonry and fall within the $25 million TIV limit. Frame construction is not currently accepted. While minimum premium information is not specified, agents can expect competitive pricing and underwriting flexibility for qualifying risks. Territories and Availability CondoPak is available in the following states: AL, CT, DE, GA, IL, IN, KY, ME, MD, MA, MI, MS, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, WV, and WI. Why Work With New Empire Group? As a program administrator with deep expertise in real estate and community association risks, New Empire Group provides agents with a streamlined solution for placing condo and co-op business. Backed by a top-rated carrier and built for ease of quoting, CondoPak offers a compelling combination of broad coverage, underwriting insight, and market access. Frequently Asked Questions What types of accounts are a good fit for the CondoPak program?The program is ideal for residential condominium and cooperative associations that are fire resistive or joisted masonry construction, with total insured values up to $25 million. Does the program accept frame construction buildings?No, at this time frame construction buildings are not eligible for coverage under the CondoPak program. Is this an admitted program?Yes, CondoPak is written on admitted paper and backed by an "A" rated AM Best carrier. Which states is the program available in?CondoPak is available in 25 states, including NY, NJ, PA, MA, GA, IL, and others across the Northeast, Midwest, and Southeast regions. Can coverage be customized for specific client needs?Yes, the program includes broadening endorsements and optional coverages that can be tailored to the unique needs of each community association. Need help placing an account? Connect with a market specialist.