Search CompleteMarkets

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.

... medium-sized superior quality Condominiums, Cooperatives, and Community Assoc...m is ideal for small to mid-sized condominiums, cooperatives, and community as...

...ensation coverage for HOAs and condominiums with no payroll Standard Worke...

Available Community Associations Insurance Coverage: Crime Directors and Officers Employment Practices Liability Equipment Breakdown Coverage Option General Liability Hired and Non-Owned Automobile Liability Property Community Association Insurance Program from Gateway Specialty Insurance Gateway Specialty Insurance offers a comprehensive Community Association Insurance program designed specifically for independent agents and brokers placing coverage for homeowner and condominium associations. As a wholesale broker with access to trusted carriers like USLI and ACE, Gateway Specialty delivers reliable solutions for a wide range of association risks across most U.S. states. Ideal Accounts and Target Risks This program is ideal for: Condominium associations with up to 500 units Homeowners associations with up to 1,000 units Whether your client oversees a mid-size condo complex or a large master-planned HOA, Gateway Specialty’s program can accommodate a variety of exposures commonly found in community associations. You might have a client managing a 400-unit condominium property with shared amenities such as a pool, clubhouse, and fitness center. Or perhaps a suburban HOA with 850 units in multiple phases. These are the types of risk profiles this program is built to support. Coverage Highlights and Advantages The Community Association Insurance program offers a broad range of coverages that help address the unique risks faced by association boards and property management teams: General Liability – Protection against bodily injury and property damage claims Property – Coverage for buildings, clubhouses, and common areas Directors and Officers – Safeguards board members from personal liability Employment Practices Liability – Covers wrongful termination, discrimination, and similar claims Crime – Protects against theft or dishonest acts Hired and Non-Owned Auto Liability – For associations using rented or employee vehicles Equipment Breakdown – Optional coverage for mechanical or electrical failures Underwriting Guidelines and Premiums Gateway Specialty provides flexible options depending on the association’s size and location: Packaged Property: Available for total insured values up to $1.5 million (not available in AK, HI, LA, FL, and WV) Monoline Property: Limits up to $10 million (non-admitted paper, not available in AK, HI, and FL; ideal for accounts with previous claim activity) The minimum premium for qualifying accounts starts at $735, making this a competitive option for agents placing smaller or budget-conscious associations. Territories and Availability This program is available in most states, including but not limited to: CA, TX, NY, FL, IL, PA, NC, and GA. Monoline property options are written on non-admitted paper and have state-specific availability. Admitted coverage is available in most states through several appointed markets. Why Work with Gateway Specialty Insurance? Gateway Specialty specializes in hard-to-place and niche markets, offering low minimum premiums, no production commitments, and expert account support. Their streamlined quoting process and access to top-rated carriers simplify your work as a retail agent. Whether you need quick turnaround or help with a complex association risk, Gateway Specialty makes it easy to get the coverage your clients need. Email submissions to [email protected] or contact Anthony Vellutato at 877-977-4474 ext 7044 or [email protected] for more information. In addition to nonprofit organizations, Gateway Specialty also offers solutions for allied healthcare and technology accounts. Direct bill and agency bill options are available with several admitted markets. Frequently Asked Questions What types of accounts are a good fit for this Community Association program?Ideal accounts include condominium associations up to 500 units and homeowners associations up to 1,000 units, particularly those managing shared amenities or communal property. Is admitted coverage available for this program?Yes, admitted coverage is available in most states through several appointed markets. Monoline property is written on non-admitted paper where applicable. Can I submit accounts with prior claims?Yes, monoline property coverage is a good fit for accounts with prior claims, especially when placed on non-admitted paper. Underwriting will review each submission individually. What is the minimum premium for this program?The starting minimum premium is $735, making it a cost-effective option for smaller associations. How do I submit an application or get a quote?You can email applications or ACORD forms to [email protected] or contact the underwriting team directly for more information. Need help placing an account? Connect with a market specialist.

...ensation coverage for HOAs and condominiums with no payroll Standard Worke...

CondoPak Property & General Liability Package Program CondoPak is a specialized insurance package developed exclusively by New Empire Group to meet the evolving needs of Cooperative, Condominium, and Community Associations. This comprehensive program combines property and general liability coverage, making it easy for agents to address the complex risks these associations face. Designed with flexibility and customization in mind, CondoPak gives you the tools to build a strong niche in the condo association market. Ideal Accounts and Appetite CondoPak is best suited for well-maintained residential community associations, including: Condominium associations Cooperative housing communities Planned unit developments (PUDs) Preferred risks include properties with fire resistive, joisted masonry, or superior frame construction, and insured values up to $25 million. This program is not designed for apartment buildings, short-term rentals, or buildings with significant deferred maintenance. Coverage Highlights and Advantages The CondoPak program offers a broad range of coverage enhancements and optional limits to suit the unique exposures of community associations: Unique Property Broadening Endorsement 20+ Additional Customizable Property Enhancements Optional Higher Limits for: Earthquake Ordinance or Law 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 Underwriting Notes This program is underwritten through an “A” rated admitted carrier (HDI Gerling), offering stability and financial strength. The program accepts risks up to $25 million in total insured value. Underwriting is focused on quality construction types and well-managed associations. There is no published minimum premium, but submissions should be complete to receive priority handling. States and Availability CondoPak is available on an admitted basis in the following 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 you have clients with properties in these states, this program can be a valuable solution to help you grow your condo and community association book. Why Work With New Empire Group? New Empire Group is a trusted program administrator with deep knowledge in the community association insurance space. With in-house underwriting authority and exclusive access to tailored coverages, they provide agents with the expertise and tools needed to place complex risks efficiently. You’ll benefit from responsive service, fast quote turnaround, and a program built specifically for this niche. Whether you're helping a self-managed HOA in Virginia or a large condo high-rise in New Jersey, CondoPak can deliver the coverage flexibility and competitive edge your clients need. Frequently Asked Questions What types of accounts are a good fit for this program?The CondoPak program is ideal for residential condominium associations, co-ops, and planned unit developments with good maintenance and acceptable construction types. Is this program written on an admitted basis?Yes, CondoPak is offered through an “A” rated admitted carrier, HDI Gerling, in all available states. 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 others. 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, especially for complete and well-documented submissions. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a flexible and comprehensive Community Association Insurance program designed for well-established associations with completed development or construction. This program is ideal for agents and brokers seeking to place package or mono-line property and liability coverage for associations managing residential communities. Eligible risks include: Homeowners Associations (HOAs) for single-family homes Townhouse or Townhome Associations Residential Condominium Associations Time-Share Condominium Associations Cooperative Housing Corporations Whether your client operates a suburban HOA or a well-managed time-share complex, Colonial General provides tailored coverage options to meet the unique risks these communities face. Coverage Highlights and Advantages Property Coverage Options: Accounts Receivable Basic, Broad, or Special Form Building and Contents Business Income Computer Equipment Equipment Breakdown Inland Marine Outside Signs Valuable Papers Replacement Cost or Actual Cash Value General Liability Coverage: Primary limits up to $3 million occurrence/aggregate $5,000 Medical Payments Coverage included Additional Interests included at no charge Hired and Non-owned Auto available Excess or Umbrella limits up to $25 million No deductible required Crime Coverage Options: Inside the Premises – Theft of Money and Securities Inside the Premises – Robbery or Safe Burglary of Other Property Outside the Premises Ideal Accounts and Appetite This program is best suited for community associations that are fully developed and operational, where active construction is no longer occurring. Associations with a stable financial history, board governance, and risk management protocols in place are preferred. Risks with prior claims history or located in high-risk catastrophe zones may be reviewed individually. For example, if you have a client managing a gated townhome community or a mid-rise condominium association looking to consolidate their property and liability coverage, this program offers the flexibility and depth needed to protect their assets. Underwriting Notes and Market Access Colonial General operates as a Managing General Agency and Excess & Surplus Lines Broker, providing access to a variety of carriers depending on the account profile. Some admitted markets are available for qualifying risks. Underwriting is efficient and consultative, helping agents match the right coverage to each insured’s exposures. Territory and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Agents writing in these states can rely on Colonial General’s regional expertise and market access to serve their community association clients effectively. Why Work With Colonial General? Colonial General has decades of experience serving the Western U.S. with specialty insurance programs. Their Community Association Insurance program stands out for its flexible structure, broad market access, and strong support for agents. Whether you’re placing a single condo association or a portfolio of HOAs, Colonial General is a trusted partner in securing competitive and comprehensive coverage. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include established homeowner associations, townhome associations, residential and time-share condominium associations, and cooperative housing corporations with completed development and active management. Are mono-line policies available?Yes, both mono-line property or liability policies and package policies are available depending on the insured’s needs. Is this program available on an admitted basis?Some admitted markets are available; eligibility depends on the specific risk and location. Colonial General also offers access to surplus lines markets as needed. What states is the Community Association Insurance program offered in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What limits are available under the general liability coverage?Primary liability limits up to $3 million per occurrence/aggregate are available, with excess or umbrella limits up to $25 million. Need help placing an account? Connect with a market specialist.

Here at Atlas General Insurance Services, we understand the unique insurance needs of apartment and condominium associations. Our Habitational Insurance Program is designed to help agents and brokers place business for clients operating residential habitational properties across the West Coast. This program is built to provide flexible and competitive coverage options for habitational risks in California, Arizona, Nevada, and New Mexico. Whether your client manages a multi-building apartment complex or a mid-rise condominium association, Atlas has a solution tailored to meet their needs. Ideal Accounts and Appetite Our program is a strong fit for: Apartment complexes and multi-family residential buildings Condominium associations Risks with up to 50% mercantile exposure Buildings with four or more habitational units We prefer accounts with a clean 5-year loss history, though we will consider a minimum of 3 years or a combination of loss data and Certificate of Experience (COE) documentation. Properties with up-to-date systems and strong occupancy rates (minimum 85%) are ideal. Coverage Highlights and Advantages Our Habitational Program offers flexible packaging and monoline options: Commercial Package: Property, General Liability, Crime, and Hired/Non-Owned Auto Monoline Options: General Liability or Property only Coverage Limits: Property: Up to $25,000,000 per location General Liability: $1,000,000 per occurrence / $2,000,000 aggregate Crime: Up to $100,000 Program Features: No age restrictions on buildings Enhanced commercial property coverage No broker or inspection fees Included endorsements at no additional charge Options for Apartment Owners, Mortgagee, Loss Payee, and CP1410 endorsements Underwriting Notes and Minimum Premiums This is a non-admitted program written through A.M. Best “A” rated carriers. The minimum premium for both package and monoline policies is $5,000. Eligibility and Required Updates: Roof updates required for buildings over 20 years old Electrical systems must have circuit breakers and copper wiring Rewiring required for buildings constructed before 1950 Plumbing updates required for buildings constructed before 1950 Protection classes 1–5 accepted; classes 6 and 7 require carrier referral Buildings over 25 stories require referral No flood or earthquake coverage offered Territories and Availability This program is available to agents and brokers with clients located in: California (CA) Arizona (AZ) New Mexico (NM) Nevada (NV) Why Work With Atlas General Insurance Services? As a trusted general agency with deep experience in commercial habitational risks, Atlas General Insurance Services provides streamlined access to competitive non-admitted markets. Our underwriting team understands the complexities of habitational exposures and is committed to helping you craft thorough, tailored solutions for your clients. Whether you’re working with a long-standing apartment owner or a newly formed condo association, we’re ready to support you with fast, responsive service and a comprehensive product offering. To learn more or submit a risk, contact us today or visit our Habitational Insurance storefront. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for apartment complexes and condominium associations with at least four habitational units and limited commercial (mercantile) exposure. Is there a minimum premium requirement?Yes, the minimum premium for both package and monoline policies is $5,000. Are older buildings eligible for coverage?Yes, there are no age restrictions, but older buildings must meet update requirements for roofing, electrical, and plumbing systems based on construction year. What territories is the program available in?The program is available in California, Arizona, New Mexico, and Nevada. Does the program offer flood or earthquake coverage?No, flood and earthquake coverage are not available under this program. Need help placing an account? Connect with a market specialist.

Here at Atlas General Insurance Services, we understand the unique insurance needs of apartment and condominium associations. Our Habitational Insurance Program is designed to help agents and brokers place business for clients operating residential habitational properties across the West Coast. This program is built to provide flexible and competitive coverage options for habitational risks in California, Arizona, Nevada, and New Mexico. Whether your client manages a multi-building apartment complex or a mid-rise condominium association, Atlas has a solution tailored to meet their needs. Ideal Accounts and Appetite Our program is a strong fit for: Apartment complexes and multi-family residential buildings Condominium associations Risks with up to 50% mercantile exposure Buildings with four or more habitational units We prefer accounts with a clean 5-year loss history, though we will consider a minimum of 3 years or a combination of loss data and Certificate of Experience (COE) documentation. Properties with up-to-date systems and strong occupancy rates (minimum 85%) are ideal. Coverage Highlights and Advantages Our Habitational Program offers flexible packaging and monoline options: Commercial Package: Property, General Liability, Crime, and Hired/Non-Owned Auto Monoline Options: General Liability or Property only Coverage Limits: Property: Up to $25,000,000 per location General Liability: $1,000,000 per occurrence / $2,000,000 aggregate Crime: Up to $100,000 Program Features: No age restrictions on buildings Enhanced commercial property coverage No broker or inspection fees Included endorsements at no additional charge Options for Apartment Owners, Mortgagee, Loss Payee, and CP1410 endorsements Underwriting Notes and Minimum Premiums This is a non-admitted program written through A.M. Best “A” rated carriers. The minimum premium for both package and monoline policies is $5,000. Eligibility and Required Updates: Roof updates required for buildings over 20 years old Electrical systems must have circuit breakers and copper wiring Rewiring required for buildings constructed before 1950 Plumbing updates required for buildings constructed before 1950 Protection classes 1–5 accepted; classes 6 and 7 require carrier referral Buildings over 25 stories require referral No flood or earthquake coverage offered Territories and Availability This program is available to agents and brokers with clients located in: California (CA) Arizona (AZ) New Mexico (NM) Nevada (NV) Why Work With Atlas General Insurance Services? As a trusted general agency with deep experience in commercial habitational risks, Atlas General Insurance Services provides streamlined access to competitive non-admitted markets. Our underwriting team understands the complexities of habitational exposures and is committed to helping you craft thorough, tailored solutions for your clients. Whether you’re working with a long-standing apartment owner or a newly formed condo association, we’re ready to support you with fast, responsive service and a comprehensive product offering. To learn more or submit a risk, contact us today or visit our Habitational Insurance storefront. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for apartment complexes and condominium associations with at least four habitational units and limited commercial (mercantile) exposure. Is there a minimum premium requirement?Yes, the minimum premium for both package and monoline policies is $5,000. Are older buildings eligible for coverage?Yes, there are no age restrictions, but older buildings must meet update requirements for roofing, electrical, and plumbing systems based on construction year. What territories is the program available in?The program is available in California, Arizona, New Mexico, and Nevada. Does the program offer flood or earthquake coverage?No, flood and earthquake coverage are not available under this program. Need help placing an account? Connect with a market specialist.