Search CompleteMarkets

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

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.

...ousing • Student housing • Cooperatives • Senior housing You can use th...

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.

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.

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

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

...ns Retail Associations Cooperatives Property Owner Associations ...d Property Owner Associations Cooperatives and Dock Associations Offic...