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...(HOAs), condominium associations, planned unit developments (PUDs), townhome c...ogram?This program is underwritten by United States Liability Insurance Group,...

...ondominium complex or a mixed-use planned unit development, MAXIMUM can help p...sociations, homeowners associations, planned unit developments, and similar community associations with up to 1,000 units and average unit values under $1 million. Are proper...

... Homeowners Associations (HOAs) Planned Unit Developments (PUDs) Townhome ... available in all states?Yes. The Community Associations Umbrella Insurance pr...

...d multiple single-family homes in planned subdivisions. The program is built t...specifically for residential tract developments Limits: $1M/$2M/$2M De...

...l Parks Mobile Home Parks Planned Unit Developments Restricted Cla...ners associations with fewer than 100 units, including general liability and p...

...ratives Townhome associations Planned unit developments (PUDs) Master as...tes is this program available?The Community Associations D&O Insurance pro...

...Cooperative housing communities Planned unit developments (PUDs) Preferred ...ondominium associations, co-ops, and planned unit developments that are well maintained and b...

...rise, or high-rise) Townhome or planned unit developments (PUDs) Homeowner associations with shared community amenities Cooperative housing assoc...ogram?We’re targeting residential community associations such as condominium a...

Preferred Property Program, Inc. offers a comprehensive insurance solution tailored for habitational risks, including condominiums, apartments, and time-share properties. Through our specialized program, independent agents can access Umbrella Liability, Boiler & Machinery/Equipment Breakdown, and Environmental Impairment Liability coverage for their clients, all under one roof. Overview of the Program From Preferred Property This program is designed to address the complex liability and property exposures that habitational properties face. Whether you're working with a small condominium association or a large multi-building apartment complex, Preferred Property provides scalable solutions with competitive limits and carrier strength. Our carrier partners include top-rated names such as Zurich North America, Chubb (Federal Insurance), CNA, and Greenwich Insurance Company. Ideal Accounts and Appetite We focus on placing business for habitational risks, including: Residential condominiums and co-ops Apartment buildings and complexes Time-share properties and resorts Our program is a great fit for accounts with standard to high risk exposures needing broad protection. You might have a client managing multiple apartment buildings across several states or a time-share property in a coastal area—this program is built to handle those needs. Coverage Highlights and Advantages Umbrella Liability: Low limit options from $1 million to $5 million with Chubb, and higher limits up to $25 million with Zurich. We also offer an additional $25 million excess of $25 million with Chubb, for a total available limit of $50 million. Equipment Breakdown: Coverage for mechanical and electrical failures not typically covered under standard property policies. Environmental Impairment Liability: Limits available at $250,000, $500,000, or $1 million. No minimum premium required, making it accessible for smaller accounts. Underwriting Notes and Minimum Premiums Our Environmental Impairment Liability coverage is available with no minimum premium, making it ideal for properties of all sizes. While we evaluate accounts individually, our underwriting team is experienced in structuring layered limits and excess placements for complex habitational risks. We work closely with brokers to deliver fast quotes and flexible solutions. Territories and Availability This program is available on a non-admitted basis 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, WV, WI, WY. Why Work With Preferred Property Program, Inc.? Preferred Property brings deep expertise in habitational risks and a strong network of leading carriers. We offer layered limit structures, competitive pricing, and flexible underwriting. Our streamlined quoting process and responsive service make it easier for agents to win and retain complex habitational accounts. Whether your client needs a basic umbrella or comprehensive environmental coverage, we can help you deliver the right solution. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for condominiums, apartment buildings, and time-share properties of all sizes, including those with complex exposures or multi-location portfolios. What are the available umbrella limits?We offer umbrella limits from $1 million to $5 million with Chubb, up to $25 million with Zurich, and an additional $25 million excess with Chubb for a total of $50 million. Is there a minimum premium for Environmental Impairment Liability?No, Environmental Impairment Liability coverage is available with no minimum premium, making it accessible for smaller or lower-risk accounts. Which states is this program available in?This program is available in most U.S. states, including CA, FL, NY, TX, and many others. It is written on a non-admitted basis. Which carriers are involved in this program?We work with top-rated carriers including Zurich North America, Chubb (Federal Insurance), CNA, and Greenwich Insurance Company. Need help placing an account? Connect with a market specialist.

Program Overview from Novatae Risk Group Novatae Risk Group offers a focused USL&H - Marine Workers Comp program to help agents place challenging and specialty marine accounts. Whether your client works on vessels, on piers, or onshore adjacent to navigable waters, this program delivers workers’ compensation solutions tailored to maritime and waterfront exposures. Novatae places business with several top-rated carriers (markets as high as AXV by A.M. Best) and provides access to both admitted and non-admitted markets. Ideal Accounts and Appetite This program is built for businesses that require USL&H coverage — from clean-mod operations to accounts with elevated experience mods or prior lapses. Novatae will consider a wide range of marine and waterfront class codes and is comfortable underwriting risks that don’t fit standard markets. Targeted Industries Include: Boat service and repair contractors Fishermen and fishing tour operators Scuba diving trainers and ski rental operators Marina operators and shipbuilders Bridge builders and painters Dock, pier, and marine construction contractors Offshore oil and platform workers Artisan, Trade, and Service Contractors That May Need USL&H: Electricians, painters, and carpenters working over, from, or adjacent to navigable waters Crane installation and repair crews Engine and refrigeration repair technicians HVAC and sheet metal contractors Wallboard installers and concrete workers operating on marine projects Ship cleaning and passenger vessel operations Program Highlights Multiple carrier options — flexibility to place difficult risks Aggressive pricing strategies when appropriate Broad acceptance of class codes and unique marine exposures First-dollar coverage options available Loss-sensitive and high-deductible plan structures Monthly payroll reporting available Not a PEO — this is a traditional workers' compensation program Underwriting Notes and Minimum Premiums Minimum premiums typically start at $10,000 in most states. Novatae evaluates accounts with elevated X-mods and does not automatically decline risks with prior lapses in coverage. Final terms depend on class mix, payroll, loss history, and project details. Territory and Market Access The USL&H - Marine Workers Comp program is available in most U.S. states, including coastal and inland regions: 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, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, and WI. Why Work With Novatae Risk Group As a Managing General Underwriter and E&S broker, Novatae combines niche underwriting expertise with market access for marine and USL&H exposures. Their team focuses on practical placement solutions for accounts that are difficult to place in standard markets and works with agents to structure terms that balance coverage and cost. You might bring Novatae a marina with on-site repair operations and mixed class codes, or a contractor performing bridge work over navigable waters — both are the sort of accounts this program targets. Novatae’s flexibility and carrier relationships make it a strong option when traditional markets say no. Frequently Asked Questions What types of accounts are a good fit for this USL&H program?This program suits marine-related businesses such as boat repair contractors, marina operators, offshore oil workers, and artisan contractors who work on or adjacent to navigable waters. Can I submit accounts with a high experience mod or no prior coverage?Yes. Novatae accepts accounts with high X-mods and is open to risks with lapsed or no prior coverage, subject to underwriting review of the total risk profile. Is this a PEO solution?No. This is a traditional workers' compensation program (not a PEO). Policies are issued through admitted and non-admitted carriers with direct coverage for insureds. What is the minimum premium for this program?Minimum premiums generally start at $10,000 in most states. Actual pricing will vary based on class codes, payroll, loss history, and selected coverage options. In which states is the program available?The program is available in most U.S. states, including coastal and inland regions. See the territory list above for specific states. Need help placing an account? Connect with a market specialist.