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Distinguished Programs offers a specialized New York Brick & Brownstone Insurance Program designed for residential and mixed-use property owners in key New York City boroughs. This program is ideal for insuring two- to 30-unit properties, including brownstones, condos, co-ops, row houses, and small apartment buildings. With an easy online submit-quote-bind process, this program provides a seamless experience for agents looking to place urban real estate risks. Ideal Accounts and Appetite Brownstones, row houses, condos, co-ops, and apartment buildings Properties with 1–30 units, including mixed-use buildings with at least 50% residential occupancy Located in Manhattan, Brooklyn, or Queens Constructed with joisted masonry or better Total Insured Values (TIV) up to $6 million for JMS (joisted masonry structures) This program is a strong fit for city-based residential buildings that require tailored coverage solutions. For example, if you have a client with a four-unit brownstone in Brooklyn with a ground-floor retail tenant, or a small co-op building in Queens, this program offers the flexibility and protection they need. Coverage Highlights and Advantages Admitted paper through an A.M. Best A+ rated carrier Special Form – Cause of Loss Replacement Cost and Agreed Amount options for Building Coverage Equipment Breakdown coverage, including miscellaneous electrical apparatus Ordinance or Law Coverage: A up to building limit; B and C at 25% of building value or a minimum of $150,000 Terrorism coverage included Business Income including rental value with extra expense Employee Theft coverage Back-up of Sewers and Drains up to the policy limit Deductible options ranging from $1,000 to $10,000 Competitive pricing with value-added risk management services Underwriting Notes and Minimum Premiums Properties must meet construction standards of joisted masonry or better and be located within the designated NYC boroughs of Manhattan, Brooklyn, or Queens. Mixed-use is acceptable provided at least 50% is residential. The program supports up to 30-unit buildings with TIVs up to $6 million. Minimum premiums vary depending on property details and location. Territories and Availability This program specifically targets New York City properties in Manhattan, Brooklyn, and Queens. However, Distinguished Programs writes in most U.S. states, offering a broad footprint and urban expertise across the country. Why Work With Distinguished Programs? As a leading Managing General Agency (MGA), Distinguished Programs brings deep knowledge of urban real estate risks and a strong track record of delivering tailored insurance solutions. With access to top-rated carriers and a streamlined digital submission process, agents can efficiently place complex residential and mixed-use property accounts. Risk management services and competitive pricing further enhance the value proposition for your clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for brownstones, co-ops, condos, row houses, and small apartment buildings with 1 to 30 units located in Manhattan, Brooklyn, or Queens. Can mixed-use buildings be covered?Yes, as long as at least 50% of the building is residential, mixed-use properties are eligible. What is the maximum insured value allowed?The program supports Total Insured Values (TIV) up to $6 million for joisted masonry structures. Is terrorism coverage included?Yes, terrorism coverage is included in the standard policy offering. What carrier backs this program?The program is written on admitted paper backed by an A.M. Best A+ rated carrier. Need help placing an account? Connect with a market specialist.

Distinguished Programs offers a specialized City Multi-Family Insurance Program designed for residential property owners operating in urban environments. This program is ideal for buildings with 2 to 100 units, including mixed-use properties with ground-floor mercantile exposure. With a streamlined online portal for submission, quoting, and binding, agents can efficiently place business and provide robust coverage for their clients in key metropolitan areas. Urban property owners face unique risks, from aging infrastructure to tenant liability and ordinance requirements. This program is built to meet those needs with competitive pricing and comprehensive coverage options tailored to small-to-mid-size city properties. Ideal Accounts and Appetite Multi-family buildings with 2–100 units (sweet spot: 2–15 units) Condominiums, co-ops, brownstones, and mixed-use properties Owner-occupied dwellings eligible for Personal Lines forms Properties valued between $1M–$3M, with TIV up to $25M You might have a client who owns a 10-unit apartment building with a retail store on the ground floor or a small condo complex in a busy metro area. This program is designed for exactly those types of risks. Coverage Highlights and Advantages Personal Lines forms available for owner-occupied units Pools now eligible, subject to safety compliance Access to qualified repair vendors via Sedgwick Repair Services Package policy includes Equipment Breakdown, Sewer/Drain Backup, and Ordinance or Law A, B & C Replacement Cost valuation Electronic policy delivery and automatic renewals Simple, digital application process Underwriting Notes and Minimum Premiums Eligible construction: joisted masonry or better; no age limit with system upgrades Specific construction accepted in select markets (e.g., brick veneer in Denver, frame in San Francisco & others) Minimum premium varies by risk and location Territories and Availability The City Program is available in the following states: CA, CO, IL, MD, MA, MN, MO, NJ, OR, PA, VA, and WA. Admitted in most available states, this program ensures peace of mind for both agents and insureds seeking stability and compliance. Why Work With Distinguished Programs? Distinguished Programs is a trusted Managing General Agency with a focus on niche real estate insurance solutions. With access to various carriers and a proven track record of delivering efficient, cost-effective underwriting, agents can rely on Distinguished to handle urban multi-family risks with confidence. The intuitive digital platform, responsive service, and built-in risk management tools make this program a strong choice for brokers looking to grow their real estate book. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small-to-mid-size multi-family properties, including condos, co-ops, and mixed-use buildings with 2 to 100 units, especially those located in urban areas. Can the program cover buildings with retail or commercial space?Yes, properties with ground-floor mercantile exposure are eligible as part of the mixed-use category. Are older buildings eligible for coverage?Yes, there is no age limit on buildings, provided necessary system upgrades have been made and the construction type meets eligibility criteria. Is this program available on an admitted basis?Yes, the program is admitted in most available states, offering regulatory stability and broader market acceptance. How do agents submit and bind coverage?Agents can use Distinguished Programs’ online portal to submit, quote, and bind coverage quickly and efficiently. Need help placing an account? Connect with a market specialist.

Primary Personal Umbrella Insurance True umbrella coverage over primary liability limi...of 250/500/100 for standard primary umbrella placements. Target and high-profi...

...op causes of property damage in restaurants Program Overview Prime Insurance...s program?Independent full-service restaurants, fast-casual concepts, cafes, b...