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WE’VE GOT YOU COVERED. Umbrella Program for Residential and Commercial Real Estate: Condos and Co-ops Limits: $5MM, $10MM, $15MM Overview of the Program from VAIL VAIL - Value Added Insurance Lines, in partnership with Trivedi, offers a specialized Umbrella Program for Residential and Commercial Real Estate accounts. This program is designed for condos, co-ops, and other similar properties that require an extra layer of protection beyond their primary insurance policies. With access to Fireman's Fund and other top-tier carriers in most available markets, this umbrella solution is ideal for agents and brokers serving clients with complex or high-value real estate portfolios. Ideal Accounts and Appetite This program is tailored for: Residential condominiums and cooperative buildings Commercial real estate properties with multiple tenants or locations Property management companies and real estate investment groups You might have a client who owns a portfolio of mid-rise condo buildings or manages a set of commercial units with exposure to public foot traffic. This umbrella program can help you deliver the higher limits and broader protection they need. Coverage Highlights and Advantages Separate Aggregate Limits Over Each Primary Policy Unlike most carriers that offer a single aggregate limit for both excess and umbrella coverage, this program provides a separate aggregate limit over each scheduled primary policy. That means your clients receive enhanced protection across all liability aggregates, including: Premises liability Products/completed operations Liquor liability Employer’s liability Additional Coverage Features: Automatic inclusion of additional insureds at the named insured’s option Automatic coverage for newly acquired or formed entities Follow-form aggregates that apply per location, per policy, per project, and per coverage Waiver of subrogation included (if present in the primary policy) Coverage for unintentional failure to disclose In addition to lead umbrellas, this program also offers excess limits up to $15 million, supported by dedicated umbrella/excess claims specialists who understand the unique risks of real estate operations. Underwriting Notes and Minimum Premiums There is no minimum premium requirement, making this a flexible solution for a wide range of account sizes. Minimum Underlying Requirements for First Layer Excess: General Liability $1,000,000 each occurrence/$2,000,000 general and products Automobile Liability $1,000,000 combined single limit Employers’ Liability $500,000/$500,000/$500,000 Director’s and Officer’s $1,000,000 each claim Territories and Availability This umbrella program is available in most U.S. markets, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, DC, WV, WI, and WY. Admitted paper is used where available. Why Work With VAIL VAIL is a trusted wholesale broker that brings value-added solutions to agents and brokers across the country. With access to high-quality carriers like Fireman’s Fund and a focus on real estate risk, VAIL provides tailored umbrella and excess coverage that helps you protect your clients and grow your business. Their expertise in crafting custom solutions and handling complex accounts ensures that you have the support you need from submission to claims. Frequently Asked Questions What types of accounts are a good fit for this umbrella program?This program is ideal for residential condos, co-ops, and commercial real estate properties needing higher liability limits and broader coverage. What are the umbrella limit options available?You can offer your clients limits of $5 million, $10 million, or $15 million, with excess options also available. Are newly acquired properties or entities automatically covered?Yes, the program includes automatic coverage for newly acquired or formed companies, helping to keep your clients protected as their operations grow. Is there a minimum premium requirement?No, there is no minimum premium, making this program accessible for accounts of various sizes. Which states is this program available in?The program is available in most U.S. states, including key markets like CA, FL, TX, NY, and IL. Need help placing an account? Connect with a market specialist.

... Apartments Condominiums/Cooperatives Dwellings Townhouses Comm...

Policy Highlights for Condominium Insurance: Colonial General Insurance Agency, Inc. offers a targeted Condominium Insurance program for established community associations where construction and development are complete. This program is built for independent retail agents and brokers who need flexible property, liability, and crime solutions for community associations. Best-fit account types: Single-family homeowner associations (HOAs) Townhouse and townhome associations Residential condominium associations Time-share condominium associations Cooperative housing corporations The program is available to retail agents and brokers in AZ, CA, CO, ID, NV, NM, UT, and WY. Colonial General can place risks in both admitted and non-admitted markets depending on the state and the account’s profile, giving you more options for harder-to-place exposures. Coverage Highlights and Available Options Property coverage (examples): Accounts Receivable Basic, Broad, or Special Form coverage Building and contents (including common-area property) Business Income / Extra Expense Computer equipment Equipment breakdown Inland marine for scheduled property Outside signs Replacement cost or actual cash value valuation Valuable papers and records Commercial General Liability (CGL): Primary limits available up to $3 million (per occurrence/aggregate) $5,000 Medical Payments included Hired and Non-Owned Auto Liability available Additional insureds / additional interests included at no additional cost where applicable Excess / Umbrella limits available up to $25 million No liability deductible required on many programs Crime Coverage Options: Inside the premises — theft of money and securities Inside the premises — robbery or safe burglary of other property Outside the premises coverage Ideal Accounts and Appetite Colonial General targets well-established, professionally managed residential associations with completed infrastructure and routine maintenance practices. Typical appetites include communities with standard exposures, stable operations, and limited recent losses. Accounts NOT appropriate for this program include new developments, associations still under construction, or projects with significant ongoing developer activity. Example scenarios that often fit: You represent a 150-unit condominium community in Colorado with shared amenities, professional management, and minimal claims history — a good candidate for a combined property and liability placement through Colonial General. A managed townhome association in Nevada seeking property replacement-cost coverage plus a modest umbrella — Colonial General can access admitted or E&S markets to provide options. Why Place Business With Colonial General? As a Managing General Agency and E&S broker, Colonial General combines broad underwriting experience with access to multiple carrier markets. That mix makes the program useful when standard markets are limited or when you need a tailored placement that combines property, liability, and crime coverages. Colonial General emphasizes responsive service, flexible terms (admitted and non-admitted where available), and consolidated placements to reduce carrier fragmentation for your client. Territories and Market Access This Condominium Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General can place business in admitted markets where available and in non-admitted (E&S) markets when necessary to secure appropriate terms. Underwriting Notes and Minimum Premiums Underwriting is risk-specific. Minimum premium requirements and binding authority vary by carrier and account size. Submit a full exposure summary, copies of declarations pages, loss runs, and details on management and maintenance practices to get the most accurate underwriting response. Frequently Asked Questions What types of accounts are a good fit for this program? Well-established residential community associations — HOAs, townhome communities, and condominium associations with completed construction and professional management are ideal. Is new construction or development eligible? No. The program is designed for completed and operational associations. Associations still in construction or active development are not eligible. Which states is this program available in? The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability may vary by carrier and whether admitted markets are offered in a given state. Can I write property and liability together? Yes. Coverages can be written mono-line or packaged to include property, general liability, and crime options depending on the account and carrier appetite. Are there minimum premium requirements? Minimums vary by carrier and account. Contact Colonial General for specific underwriting guidelines and minimum premium thresholds for your submission. Need help placing an account? Connect with a market specialist.

Sloan Mason Insurance Services, Inc. is pleased to offer access to a specialized insurance program backed by an 'A'-rated carrier, designed specifically for the unique risks of Bulk Liquid Storage Terminals – Operators, Suppliers, and Contractors. This program delivers a comprehensive, multi-line approach to risk management for businesses engaged in the storage, handling, manufacture, maintenance, and servicing of bulk liquid storage systems. Ideal Accounts and Appetite This program is built for companies across the bulk liquid storage supply chain, including: Terminal operators handling crude oil, refined products, and industrial chemicals Tank manufacturers (welded stainless and carbon steel tanks, bins, silos) Contractors performing tank lifting, foundations, relocation, and field erection Suppliers of tank-cleaning systems, industrial hose, gaskets, seals, and fire-safety products Firms providing pipeline inspection, pig tracking, degassing, and related services Manufacturers and installers of anti-corrosion coatings, cathodic protection, and geodisc domes Whether your client is an operator running a multi-tank terminal, a contractor relocating petroleum tanks, or a supplier of marine loading transfer systems, this program is structured to support the industry’s operational and environmental exposures. Coverage Highlights and Advantages Sloan Mason Insurance offers flexible, packageable solutions to address the core exposures for this sector, including: Workers' Compensation and Employers Liability Commercial Auto Liability and Physical Damage Commercial General Liability Pollution Liability — essential for environmental and third-party contamination risks Umbrella Liability to extend limits across primary lines This integrated, multi-line approach helps agents deliver a seamless solution for complex operational and environmental risks while centralizing placement and claims coordination. Underwriting Notes and Minimum Premiums To provide a timely and accurate quote, underwriters typically require: Five years of payroll history Five years of currently valued, carrier-issued loss runs (valued within 90 days of the requested effective date) Completed ACORD applications and the Pollution Supplemental form Minimum premium thresholds generally include: $15,000 for General Liability $10,000 for Commercial Auto $15,000 for Workers' Compensation $5,000 for Pollution Liability $10,000 for Umbrella Liability You can download the program application materials via our Bulk Liquid Storage Terminals - Operators, Suppliers and Contractors Data Sheet. Territories and Availability This program is available in most U.S. states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Availability will be quoted on an admitted or non-admitted basis depending on the state and the account’s risk profile. Why Work With Sloan Mason Insurance Services, Inc.? As a wholesale broker, Sloan Mason Insurance brings deep technical underwriting knowledge and direct access to specialized markets that understand the exposures unique to bulk liquid storage operations. We partner with agents to structure competitive, multi-line programs that align coverage, limits, and pricing with each client’s operational profile. Key strengths: Niche market relationships for pollution and commercial liability placements Experience packaging primary and excess lines for complex tank operations Dedicated underwriting intake that minimizes placement friction and speeds response time Example scenarios where this program is a strong fit: You have a regional terminal operator with multiple above-ground tanks and marine loading racks that needs combined GL, pollution, and umbrella limits. A tank manufacturer or erector performing field assembly and relocation work that requires on-site general liability, contractor exposures, and pollution coverage for residual product. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for terminal operators, tank manufacturers, contractors, and suppliers involved in bulk liquid storage, handling, and related services. What coverages are included in the program?Typical coverages include General Liability, Workers' Compensation, Commercial Auto, Pollution Liability, and Umbrella Liability. Additional specialty coverages may be available depending on the account. What documentation is required for underwriting review?Provide five years of payroll history, five years of currently valued loss runs, and completed ACORD and pollution supplemental applications to begin placement. Is this program available in my state?The program is available in most U.S. states. Availability and whether an admitted or non-admitted market is used will depend on the state and the risk. Contact Sloan Mason to confirm for a specific location. Are the carrier markets admitted or non-admitted?Sloan Mason places with a mix of admitted and non-admitted carriers depending on the state and account. We will identify the appropriate market when quoting. Need help placing an account? Connect with a market specialist.

...as apartment houses, including cooperatives. Building: Lessors of commercial...