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...including contractors involved in framing, finish carpentry, remodeling, and s...ractors, including those involved in framing, finish work, remodeling, and new...

...including contractors involved in framing, finish carpentry, remodeling, and s...ractors, including those involved in framing, finish work, remodeling, and new...

... of a broader remodel) Interior framing performed by the primary contractor (framing subcontractors are not eligible) W...ermitted in some cases, but interior framing as a subcontracted operation is n...

CondoPak is a specialized insurance package offered exclusively by New Empire Group, designed for small to medium-sized superior quality Condominiums, Cooperatives, and Community Associations. With coverage available for properties up to $25 million in total insured value, this program is ideal for agents seeking a dependable market for residential associations requiring comprehensive property and general liability protection. New Empire Group has built this program with flexibility and speed in mind. Our responsive underwriting team provides fast turnaround times, while our broadening endorsements allow you to tailor coverage to meet your clients’ specific needs. With admitted coverage available in all listed states and backed by HDI Gerling, this program delivers a strong combination of security and service. Program Features: • Earthquake Coverage • Ordinance or Law Coverage • Backup of Sewage and Drains / Water Damage • Equipment Breakdown • Employee Dishonesty • Flood - NY Only (Available everywhere shortly!) Construction types must be Fire Resistive or Joisted Masonry—frame construction is not eligible for this program. Through our in-house access, we can also provide additional coverages such as Commercial Umbrella Insurance Limits, Directors & Officers (D&O) Liability, Environmental Pollution Insurance, and Cyber Liability Insurance—offering agents a one-stop solution for community association risks. Ideal Accounts: This program is targeted toward well-maintained residential associations that meet high construction standards. Examples include: Superior quality condominiums in urban or suburban areas Mid-sized cooperative buildings with professional management Community associations with modern amenities and risk management protocols 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. All coverage is offered on an admitted basis. Why Work With New Empire Group: New Empire Group is a trusted Program Administrator with deep expertise in community association risks. Our value-added underwriting, quick response times, and access to specialty markets help agents secure competitive solutions for their clients. Whether you're placing a newly constructed condo association or a well-established cooperative, we offer the tools and support to help you succeed. For more information about our Property and General Liability Insurance Package Program for Condominiums 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 program?This program is ideal for small to mid-sized condominiums, cooperatives, and community associations with superior construction quality (Fire Resistive or Joisted Masonry) and up to $25 million in total insured value. Is frame construction eligible for coverage?No, this program does not accept frame construction. Only Fire Resistive and Joisted Masonry buildings are eligible. What additional coverages are available?Agents can access optional coverages such as Commercial Umbrella, D&O, Environmental Pollution, and Cyber Liability through New Empire Group’s in-house capabilities. Which states is the CondoPak program available in?The program is available in 24 states, including NY, NJ, MA, GA, and more. All coverage is provided on an admitted basis. Who is the carrier backing this program?The program is backed by HDI Gerling, offering stable and reliable admitted coverage options. Need help placing an account? Connect with a market specialist.

...226; Trade Contractors - roofing, framing, siding, drywall, electrical, plumbi...and commercial contractors (roofing, framing, HVAC, concrete, EIFS, etc.), lig...

NAPCO LLC — Builders Risk Coverage Insurance NAPCO provides agents and brokers with a single-source, independent marketing arm for difficult placements involving significant natural catastrophe exposures and complicated construction and occupancy profiles. As an experienced excess & surplus lines broker, NAPCO accesses major and specialty capacity to build layered, competitive builders risk programs that address high hazard locations and unique construction risks. Overview Builders risk coverage placed through NAPCO is intended for projects where standard markets are limited or where specialty underwriting is required — for example, frame construction in coastal wind-exposed areas or large, complex projects with multiple sublimits and transit exposures. Coverage can be arranged by either the project owner or the general contractor; NAPCO helps agents negotiate critical coverage provisions so clients receive a complete and competitive program. Ideal Accounts and Appetite New construction and renovation projects with high wind, flood, or seismic exposure. Frame or lightweight construction in coastal or hurricane-exposed territories. Large commercial, mixed-use, or multi-family developments that require layered limits. Projects needing transit, off-site storage, or builder’s risk for interior work and materials. Coverage Highlights and Advantages NAPCO’s builders risk programs emphasize tailored wording and strategic placement of specialty perils. Typical coverage features agents can expect support with include: Windstorm and named-storm capacity from excess & surplus and specialty carriers. Layered program structures to achieve higher limits for large projects. Specific consideration for flood, earthquake, transit, off-site storage and interior water intrusion exposures. Placement solutions involving reinsurance markets when additional capacity is needed. Underwriting Notes and Minimum Premium Underwriters expect detailed exposures for catastrophe-prone projects and will review construction type, project location, protective measures, and contract wording. NAPCO typically places accounts with a minimum premium of $25,000; smaller accounts may be considered on a case-by-case basis where capacity stacking or alternate structures are available. Territories and Market Positioning Available in all listed states and territories where E&S placement is permitted: 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. NAPCO can place business in admitted and non-admitted markets as appropriate to secure capacity and competitive terms. Why Work With NAPCO You get direct access to underwriting expertise focused on natural catastrophe exposures and difficult construction risks. NAPCO’s strengths include market access, layered program design, and negotiated policy forms that address common builders risk pitfalls (flood/quake exclusions, transit exposure, off-site materials). We work with you to present a clear submission and secure the right capacity for your clients. Example Scenarios You have a general contractor building a 120-unit wood-frame complex in a Gulf Coast county — NAPCO helps layer windstorm capacity and place flood and transit endorsements to protect materials en route and in off-site storage. You represent an owner renovating a high-value oceanfront hotel requiring earthquake and flood consideration — NAPCO assembles specialty carriers and a layered structure to meet contract and lender requirements. Contact us for more information on Builders Risk Coverage Insurance program Frequently Asked Questions What types of builders risk accounts are a good fit for NAPCO’s program?Projects with significant catastrophe exposure, frame or lightweight construction in coastal areas, large multi-phase developments, and accounts that need layered limits or specialty endorsements (flood, earthquake, transit, off-site storage). Can coverage be placed for both owners and general contractors?Yes. NAPCO can arrange builders risk for either the project owner or the general contractor and will help clarify who should be named insured and how contract wording affects coverage. What minimum premium should I expect when submitting?As a guideline, NAPCO typically works with accounts that meet a $25,000 minimum premium. Smaller submissions may be reviewed if the structure allows for stacking capacity or alternative placement strategies. Which states and market types are available through this program?The program is available across the listed states and territories and can be placed in admitted or excess & surplus markets where appropriate to secure capacity and terms. What submission information will underwriters want?Provide construction type and schedule, project location (including flood zone or seismic exposure), values and limits, contract wording, loss control measures, and details on transit or off-site storage of materials. Clear submissions help speed placement and improve terms. Need help placing an account? Connect with a market specialist.

Builders' Risk Insurance is essential coverage for construction-related projects, and Atlas General Insurance Services offers a robust program tailored to help agents protect their clients from the wide range of risks that can arise during the building process. Comprehensive Builders' Risk Program From Atlas Construction sites face constant exposure to threats like severe weather, fire, theft, and equipment breakdown. With Atlas General’s Builders' Risk program, you can offer your clients solid protection against these challenges—whether they’re building from the ground up or renovating existing structures. This program supports over 100 classes of business and includes coverage for moveable property, equipment, and contents used in construction. The policy is backed by A.M. Best “A” Rated carriers and is available on a non-admitted basis. Ideal Accounts and Target Industries Atlas’s Builders' Risk program is designed for a wide range of contractor and construction-related accounts, including: General contractors and subcontractors Residential and commercial builders Developers and property owners during renovation or ground-up construction A good fit might be a contractor who’s renovating a commercial space or a developer constructing a new residential complex. This program provides flexibility for both frame and superior construction types, with generous TIV limits. Coverage Highlights and Included Protection Atlas offers valuable coverage enhancements to ensure your clients are protected from multiple angles: Builders' Risk – Frame & Joisted Masonry: Up to $5,000,000 TIV Builders' Risk – Superior Construction: Up to $10,000,000 TIV Contractors’ Equipment: Up to $5,000,000 TIV Office/Shop Contents: Up to $100,000 Minimum premiums: Builders’ Risk ($1,000), Contractors’ Equipment ($750) Additional built-in benefits include: Fire department service charge: $5,000 Fire protection device recharge/refill: $25,000 Debris removal: 25% of covered loss Expendable supplies (fuel, oil): Up to $1,000 Newly purchased property: Lesser of $250,000 or 25% of schedule value Employees’ tools: $5,000 per loss, max $500 per employee Waiver of depreciation for partial losses Underwriting and Program Details Atlas works with A-Rated (Superior) carriers to offer strong, flexible coverage solutions. While this program is non-admitted, it’s built to handle a broad array of construction risks. The underwriting team evaluates each risk carefully, and the program is designed to accommodate numerous construction types and project sizes. Minimum premiums: Builders' Risk: $1,000 Contractors' Equipment: $750 Territory and Availability This program is available in nearly all U.S. states, including CA, TX, FL, NY, WA, and many more. Atlas supports agents and brokers in 50 states plus Washington, DC, providing broad access to these coverages coast to coast. Why Partner With Atlas General Insurance Services? Atlas General Insurance Services is a trusted general agency with deep experience in construction-related insurance programs. Their Builders' Risk program reflects a commitment to offering agents competitive products backed by top-rated carriers and strong service. With specialized underwriting and broad coverage features, you'll be well-equipped to serve your construction clients efficiently and effectively. Need help placing a Builders' Risk account? Reach out to Atlas today or visit their company profile to learn more. Frequently Asked Questions What types of accounts are a good fit for this Builders' Risk program?This program is ideal for contractors, builders, and developers involved in residential or commercial construction, including renovations and ground-up projects. What are the TIV limits for Builders' Risk coverage?Frame and Joisted Masonry construction is eligible up to $5,000,000 TIV, while Superior Construction projects can be insured up to $10,000,000 TIV. Is coverage available for contractors’ equipment?Yes, the program includes coverage for contractors’ equipment, up to $5,000,000 TIV, with additional benefits such as debris removal and expendable supplies. Which states is this program available in?Atlas offers this program in nearly all U.S. states, including CA, TX, FL, NY, and many others. It is available in 50 states plus Washington, DC. What carriers back this program?This program is backed by A.M. Best A Rated (Superior) carriers, providing financial strength and reliability. Need help placing an account? Connect with a market specialist.

Insurance Programs of America (IPOA) is the leader in hotel programs for our agency partners in the hospitality industry, insuring large hotels, resorts and spas, and golf course resort properties throughout the country. Our expertise in the hotel insurance space is unmatched. Exclusive Hotel Insurance Program — HotelPro With HotelPro, IPOA offers agents an exclusive, hospitality-focused program specifically designed for limited- and full-service hotels. HotelPro pairs specialized underwriting with broad capacity and multiple carrier relationships — including Tower Group Companies and Lloyd’s of London — to deliver property, liability, and umbrella placements for single sites and portfolios. Overview of the Program from Insurance Programs of America HotelPro is written through admitted and surplus markets to provide flexible placement options for hotel risks. IPOA underwrites hotels with a focus on modern construction and active loss-control measures, delivering capacity, tailored coverage extensions, and both auditable and non-auditable liability options. For agents, this program is an efficient market for clients that need higher limits, hotel-specific extensions, and underwriting that understands hospitality operations. Ideal Accounts and Appetite Limited-service and full-service hotels, including select-service brands and independent properties Resorts, spas, and golf-course resort properties Interior and exterior-corridor hotels All construction types considered; hotels built after 1987 are preferred unless completely gut-renovated Accounts with demonstrated property protection (sprinklers, fire alarm systems) and established safety programs Coverage Highlights and Advantages Property, General Liability, and Umbrella coverages tailored for hotel exposures Exclusive hotel insurance extensions that address hospitality-specific exposures Capacity up to $50 million Both admitted and excess & surplus (E&S) placement options — admitted availability in some states Liability available as auditable or non-auditable to fit different account structures Underwriting Notes and Minimum Premiums Underwriting emphasizes newer or renovated properties, robust loss-control practices, and manageable coastal exposure. Limited capacity applies in higher-tier coastal counties. Typical minimum premiums are as follows: Packages — $15,000 (Interior hotels: frame construction <$5M TIV if sprinklered) Property — $10,000 Liability — $5,000 Coastal Property (Tier 1) — $25,000 These minimums are program guidelines; final terms are subject to underwriting review and carrier appetite. Territories and Availability HotelPro writes nationwide. IPOA operates as a Managing General Underwriter and Excess & Surplus lines broker with placements available in the following states: 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. Note: admitted availability is limited to some states and certain classes; where admitted capacity is not available, E&S markets may be used. Why Work with IPOA on Hotel Business Specialized hotel underwriting and program design focused on hospitality risks Access to multiple carriers and high capacity up to $50M Hospitality-specific policy language and extensions not commonly available in general markets Hands-on underwriting and E&S placement capability for challenging or higher-limit accounts Example accounts that fit HotelPro A 120-room full-service resort with on-site spa and golf course seeking combined property and liability placement with umbrella limits. An independent 80-room limited-service hotel recently renovated with a sprinklered frame and annual revenue within program guidelines that needs a streamlined package placement. Frequently Asked Questions What types of hotel accounts are the best fit for HotelPro?HotelPro is designed for limited- and full-service hotels, resorts, spas, and golf-course resort properties. Properties built after 1987 or those that have been gut-renovated are preferred, and accounts with active loss-control measures (sprinklers, alarms, documented safety programs) typically place more competitively. Is coverage admitted or non-admitted?IPOA places HotelPro on both admitted and excess & surplus (E&S) markets. Admitted coverage is available in some states; where admitted markets aren’t available or the risk needs specialty terms, E&S capacity is used. What minimum premium should agents expect?Minimums vary by line and exposure. Program guideline minimums include: Packages $15,000, Property $10,000, Liability $5,000, and Coastal Property (Tier 1) $25,000. Final minimums and pricing depend on underwriting review and specific exposures. Which states are eligible for placement?HotelPro writes nationwide with availability in the states listed in the program materials. Some admitted options are state-dependent; IPOA also provides E&S solutions where needed. Check the current state list and market access before submission. Need help placing an account? Connect with a market specialist.

Wind Deductible Buy Back Coverage from Safehold Special Risk In coastal and wind-prone regions, property owners and builders often face high windstorm deductibles that can create significant out-of-pocket exposure. Safehold Special Risk offers a specialized Wind Deductible Buy Back program to help agents and brokers provide their clients with a cost-effective solution to reduce this financial burden. This program is designed for both commercial and residential properties under construction, with coverage available for general wind or named windstorms. Whether your client is a developer building a coastal apartment complex or a contractor managing a mid-rise hotel project inland, Safehold can help reduce their windstorm deductible exposure. Ideal Accounts and Target Construction Types This program is suitable for most construction types, with the exception of properties with Exterior Insulation Finishing Systems (EIFS). Eligible construction classifications include: Fire-resistive Joisted masonry Non-combustible (ISO Class 3) — 10+ miles from the coastline Masonry non-combustible Modified fire-resistive Frame (restrictions apply) You might have a client developing a retail center in Georgia or a multi-family project in Texas—both facing high wind deductibles. This program can help you provide them with tailored protection that aligns with their project's location and risk profile. Coverage Features and Options Safehold’s Wind Deductible Buy Back coverage is flexible and can be customized based on your client’s needs: Available for both general wind and named windstorm coverage Can be written with or without an annual aggregate limit Policy term options: Commercial property: 12 months Builder’s risk: up to 36 months Safehold works directly with Lloyd’s of London, giving agents access to deep underwriting expertise and capacity in this niche space. Underwriting Requirements and Deductibles Deductible thresholds vary based on the Total Insured Value (TIV): TIV < $2.5M: 1% deductible, minimum $10,000 $2.5M–$5M: minimum $25,000 $5M–$10M: minimum $50,000 TIV > $10M: minimum $100,000 Florida: Lesser of $100,000 or 1%, subject to $50,000 minimum Coverage Limits Up to $1.25M maximum limit per occurrence (varies by state) Maximum TIV: $100M overall $50M in Florida $50M per location $250,000 per occurrence limit for inland states Eligible Territories Coverage is available in a wide range of coastal and inland states, including: Coastal States: AL, CT, DE, FL (excluding Monroe County), GA, HI, LA, MA (excluding Nantucket and Duke Counties), MD, ME, MS, NC, NH, NJ, NY, PA, RI, SC, TX, VA Inland States: AR, KS, IN, IA, MO, OH Why Partner With Safehold Special Risk? As a trusted program administrator, Safehold Special Risk specializes in unique and complex risks, providing agents with access to non-admitted markets and underwriting expertise. With direct access to Lloyd’s of London and a commitment to responsive service, Safehold is an excellent partner for agents looking to place hard-to-insure wind deductible exposures. Due to the specific nature of this coverage, Safehold encourages agents to reach out for pre-submission discussions to determine eligibility and structure appropriate terms. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include commercial and residential properties under construction in wind-prone areas, especially those with high windstorm deductibles. Examples include builders’ risk for apartment complexes, hotels, or retail centers. Can this program be used for both named storms and general wind events?Yes, coverage can be structured for either named windstorms only or general wind events, depending on the insured’s needs. What construction types are eligible?Most construction types are eligible, including fire-resistive, joisted masonry, non-combustible structures (10+ miles from the coast), masonry non-combustible, and modified fire-resistive. Frame construction may be eligible with restrictions. EIFS is excluded. Is there a maximum Total Insured Value (TIV) this program can support?Yes. The maximum TIV is $100 million nationwide and $50 million in Florida. The per-location limit is $50 million. Is the Wind Deductible Buy Back program admitted?No, this coverage is written on a non-admitted basis through Lloyd’s of London. Need help placing an account? Connect with a market specialist.

...Specialty trades such as roofing, framing, excavation, masonry, landscaping, w..., and specialty trades like roofing, framing, excavation, and masonry. Account...