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

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.

... • Cooperatives (except in New York state) ...ssociations located in LA or WV • Cooperatives in NY state • Associations with...

...d Unit Developments (PUDs) Cooperatives (CO-OPs) Property Owners Assoc...including HOAs, COAs, PUDs, POAs, cooperatives, and mixed-use condominiums. Ar...

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

...important for associations and cooperatives From fire and weather damage to s...

...dences Student housing Cooperatives Typical fits range from small...iums, student and senior housing, cooperatives, and independent living residen...

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.

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.