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CondoPak Property & General Liability Package Program CondoPak is a proprietary insurance package created exclusively by New Empire Group to address the combined property and liability exposures of cooperative, condominium, and community associations. The program bundles broad property enhancements with general liability protection and optional higher limits, giving agents a focused, flexible solution to place association risks more efficiently. Ideal Accounts and Appetite CondoPak is designed for well-maintained residential community associations, including: Condominium associations Cooperative housing communities Planned unit developments (PUDs) Preferred risks are associations with quality construction—fire resistive, joisted masonry, or superior frame—and with total insured values up to $25 million. The program is not intended for apartment-style rental buildings, short-term rental operations, or properties with significant deferred maintenance or unresolved safety issues. Coverage Highlights and Advantages CondoPak includes a robust set of coverages and optional enhancements tailored to community associations: Unique Property Broadening Endorsement 20+ customizable property enhancements Optional higher limits for select exposures: Earthquake Ordinance or law coverage 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 for complete submissions Underwriting Notes The program is underwritten through an “A” rated admitted carrier (HDI Gerling), providing admitted paper where available. New Empire Group will consider risks with up to $25 million in total insured value and focuses on well-managed associations with acceptable loss history and construction types. There is no published minimum premium; however, complete submissions receive priority handling and faster response times. States and Availability CondoPak is available on an admitted basis in these 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 your client’s property is located in one of the states above, CondoPak can be a competitive admitted option for condo and community association placements. Why Work With New Empire Group? New Empire Group is a program administrator with deep experience in community association insurance. Agents benefit from dedicated underwriting authority, access to tailored endorsements, and a program built specifically for condominium, co-op, and HOA risks. The team emphasizes responsive service, straight-forward submission requirements, and quick quote turnaround to help you grow your association book. Typical scenarios that fit CondoPak include a self-managed condo association seeking admitted property and liability coverage with higher ordinance limits, or a medium-sized HOA (well-maintained, centralized management) needing equipment breakdown and cyber options alongside general liability protection. Frequently Asked Questions What types of accounts are a good fit for this program?CondoPak is ideal for residential condominium associations, co-ops, and planned unit developments that are well maintained and built with acceptable construction types. Is this program written on an admitted basis?Yes. CondoPak is offered through an “A” rated admitted carrier, HDI Gerling, where the state allows admitted placement. 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 other coverages. 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, particularly for complete, well-documented submissions. Need help placing an account? Connect with a market specialist.

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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.

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