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...mpetitive program for Electric Cooperatives, Cogeneration and Power Generation...ts that fit well include electric cooperatives, cogeneration and CHP plants, i...

...superior quality Condominiums, Cooperatives, and Community Associations. With ... small to mid-sized condominiums, cooperatives, and community associations wit...

...Property Owners Associations Cooperatives Master Associations This progra...OAs, condo associations, PUDs and cooperatives that need higher liability limi...

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.

...) Condominium associations Cooperatives Townhome associations Planned ...g HOAs, condominium associations, cooperatives, planned unit developments, and...

...l buildings (LRO acceptable) Cooperatives and independent living residences ... office and commercial buildings, cooperatives, and independent living residen...

Policy Highlights for Homeowners Insurance: Colonial General Insurance Agency, Inc. offers a comprehensive Homeowners Insurance program designed specifically for community-based residential associations. This program is ideal for agents and brokers looking to place business for established community housing groups where all construction and development are complete. Target risks include: Single-family homeowner associations Townhome and townhouse associations Residential and condominium associations Time-share condominium associations Cooperative housing corporations Coverages are available on a mono-line or package basis, allowing flexibility based on the unique needs of your insureds. Whether your client is managing a stand-alone HOA or a larger residential condo association, this program offers the depth of protection needed to safeguard both property and liability exposures. Property Coverage Available for Homeowners: This program provides a broad array of property protection options, including: Buildings and contents Replacement cost or actual cash value Business income coverage Computer equipment Equipment breakdown Accounts receivable and valuable papers Inland marine and outside signs Basic, Broad, or Special Form options Commercial General Liability Coverage: Primary limits up to $3 million occurrence/aggregate $5,000 medical payments included Additional interests included at no extra charge Hired and non-owned auto liability Excess or umbrella limits up to $25 million No deductible required Crime Coverage: Theft of money and securities inside the premises Robbery or safe burglary of other property inside the premises Theft and robbery exposures outside the premises Ideal Accounts and Appetite This program is best suited for well-maintained, established residential communities that have completed all construction activities. If you have a client managing a multi-unit townhome association or a mid-sized condominium complex with shared spaces and amenities, this program offers tailored protection for their exposures. Risks with active construction or incomplete development may not be eligible. Territories and Availability Colonial General’s Homeowners Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. The admitted status varies by market, giving you access to flexible underwriting solutions depending on your client's location. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise and market access to community association risks. Their underwriting team understands the nuances of shared residential living and can help you craft competitive, comprehensive coverage packages. With access to multiple carriers and flexible coverage forms, Colonial General supports agents in placing both standard and complex homeowner association accounts. Frequently Asked Questions What types of accounts are a good fit for this Homeowners Insurance program?Ideal accounts include completed residential communities such as homeowner associations, townhome associations, condominium associations, and cooperative housing corporations. Is this program available in my state?This program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability may vary by coverage type and carrier. Can I write both property and liability coverage through this program?Yes, the program supports mono-line or package policies, allowing you to place property, liability, and crime coverage as needed. Are there deductible requirements for liability coverage?No, this program does not require a deductible for commercial general liability coverage. What limits are available for umbrella or excess liability?Excess or umbrella limits are available up to $25 million, depending on the account and underwriting criteria. Need help placing an account? Connect with a market specialist.

Directors & Officers Insurance Program from J.R. Olsen Bonds & Insurance Brokers, Inc. J.R. Olsen Bonds & Insurance Brokers, Inc. offers a flexible Directors & Officers (D&O) Insurance program designed to protect the leadership of a wide range of organizations. As a Managing General Agency (MGA) with access to 25 different insurance carriers, we help agents and brokers place competitive D&O solutions nationwide — all 50 states plus Washington, DC. Ideal Accounts and Target Classes This D&O program fits both for-profit and nonprofit entities. Typical classes include: Banking institutions and financial service groups Condominium and homeowners associations Nonprofit organizations across a variety of missions Youth amateur sports leagues and associations (Little League, Pop Warner, soccer clubs, Pony Baseball) Professional service firms that also need Errors & Omissions protection Most professional organizations with board-level exposures Whether the account is a small nonprofit board or a complex professional association, our markets can be matched to the client’s governance exposures. Example placements you might bring to market: A regional nonprofit with a volunteer board seeking coverage for management decisions and employment-related exposures. A youth sports league that needs low-cost D&O for volunteer coaches and directors combined with fidelity coverage to protect against theft or dishonest acts. Coverage Highlights and Program Features Our D&O program is built to address claims arising from management decisions, fiduciary duties, employment practices, and other board-level exposures. We also offer packages tailored to youth amateur sports organizations that pair D&O with fidelity coverage for stronger protection of volunteers and funds. Program highlights: Directors & Officers for Youth Amateur Sports: League Association — No charge for $1 million coverage (example program) Team Coverage — $275 per team for $1 million in protection (example program) Fidelity for Youth Amateur Sports: Example: $125 per team for $10,000 in fidelity coverage Underwriting Insight We maintain a broad underwriting appetite across many classes. Accounts are evaluated on a case-by-case basis with attention to governance, financial stability, and prior loss history. Our underwriting team will guide you to the best-fit carrier among our panel of 25 markets and can place both admitted and non-admitted options depending on state and risk profile. State Availability This program is available in all 50 states and Washington, DC. We can submit placements from California to New York, Texas to Vermont, and everywhere in between. Why Work With J.R. Olsen Bonds & Insurance Brokers, Inc.? As an MGA with long-standing carrier relationships, J.R. Olsen provides agents and brokers with direct access to multiple D&O markets and responsive underwriting. Our experience in niche sectors — especially youth amateur sports and nonprofit governance — helps you secure tailored, cost-effective placements for clients with volunteer leadership or complex board exposures. We streamline submissions and placement, so you can present competitive D&O options to your clients with confidence. If you need help evaluating a file or identifying the right carrier on our panel, our market specialists are available to assist. Frequently Asked Questions What types of accounts are a good fit for this D&O program?Ideal accounts include nonprofit boards, condo associations, youth sports leagues, professional organizations, and financial institutions. Is this program available in all states?Yes. Our Directors & Officers program is available in all 50 states and Washington, DC. Can this program cover youth sports organizations?Yes. We offer specialized D&O and fidelity options for youth amateur sports leagues such as Little League, soccer clubs, Pop Warner, and similar organizations. Which carriers back this program?We work with a panel of 25 different insurance carriers to deliver competitive quotes and coverage solutions tailored to client needs. Do you offer admitted and non-admitted options?Yes. Depending on the state and the specific exposure, we can place coverage through admitted or non-admitted carriers on our panel. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a flexible, comprehensive Community Association Insurance program for well-established associations with completed development or construction. The program is designed for agents and brokers placing package or mono-line property and liability coverage for associations that manage residential communities. Eligible risks include: Homeowners associations (HOAs) for single-family homes Townhouse / townhome associations Residential condominium associations Time-share condominium associations Cooperative housing corporations Whether your client runs a suburban HOA, a gated townhome community, or a well-managed time-share complex, Colonial General provides modular coverage options to address the exposures 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/umbrella limits up to $25 million No deductible required (per policy terms) 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 works best for community associations that are fully developed and operational — active construction or new development is not eligible. Preferred accounts have: Stable financial histories and established reserves Active board governance and documented risk management practices Routine maintenance programs for common areas and building systems Accounts with recent or significant claims, ongoing construction exposure, or locations in extreme catastrophe zones may require additional review and could be declined or placed in surplus markets. Example fits for the program: A gated townhome community seeking to consolidate building and general liability coverages into a single package. A mid-rise condominium association that needs replacement-cost property coverage, business income, and an umbrella for director/officer liability exposures (placed separately as needed). Underwriting Notes and Market Access Colonial General operates as a Managing General Agency and Excess & Surplus Lines broker, providing access to a range of admitted and non-admitted carriers depending on the risk profile. Underwriting is consultative and structured to match coverage options to the association’s exposures. Key considerations include the association’s financials, claims history, maintenance records, and governing documents. Territory and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General can place eligible risks in admitted markets where available; surplus markets are used when necessary. Why Work With Colonial General? Colonial General brings decades of regional experience serving the Western U.S. Their Community Association Insurance program emphasizes flexible policy structures, broad market access, and hands-on underwriting support for agents and brokers. If you need to place a single association or a small portfolio of HOAs and condos, Colonial General can help you identify appropriate admitted or E&S carriers and streamline placement. Frequently Asked Questions What types of accounts are a good fit for this program?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 can be placed 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 places business in surplus lines when appropriate. 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.