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Program overview — Amwins Underwriting: Apartment / HOAs / Commercial LRO For more than 20 years, SPFM (an Amwins company) has delivered creative package insurance solutions for owners and managers of commercial and residential real estate. The Specialty Insurance Advantage (SIA) program through Amwins Underwriting targets apartments, homeowners associations (HOAs), mixed-use properties and commercial lessor’s risk-only (LRO) accounts. Underwriting is handled by an experienced team familiar with the exposures and loss drivers common to multi-tenant residential and mixed-use portfolios. Ideal accounts and appetite Any size account located in AZ, CA, NV, OR, UT and WA Apartment communities, HOA portfolios, mixed-use buildings and commercial LROs Small to mid-sized portfolios where flexible, subjective underwriting and tailored pricing are needed Coverage highlights The SIA program provides broad package coverages designed for property owners and managers, including: Property — blanket limits available for multi-location exposures General liability — primary GL coverage with occurrence-based limits Premises environmental liability — designed for pollution exposures tied to premises operations Limits $500,000,000 blanket limits for property, per occurrence with no annual aggregate $1,000,000 / $2,000,000 per occurrence, per location in the aggregate for general liability $250,000 per loss per location / $250,000 aggregate per location with a $25,000,000 program aggregate for premises environmental liability Underwriting strengths and differentiators Amwins Underwriting’s SPFM team combines program-level capacity with hands-on, subjective underwriting. That means you can expect: Case-by-case flexibility on pricing and terms for small and mid-size risks A focus on broad coverages while adapting underwriting to client-specific risk controls Capacity to bind multi-location blanket property limits suitable for owners with multiple buildings Requirements and common declinations Five-year loss history — acceptable average loss frequency is generally 50% or less Risks with recent or frequent water damage claims will require additional underwriting review Supplemental application is required How agents can use this program Use this program when you need broad, package-style coverage for apartment communities, HOAs or mixed-use properties where a tailored, subjective underwriting approach improves placement odds. Typical examples: You have an owner of several small garden-style apartment complexes in California looking for a single blanket property program and consolidated GL limits. An HOA management company needs combined property/GL/premises environmental coverage for a portfolio of mixed-age condo associations across Washington and Oregon. Territory and availability The program writes business in AZ, CA, NV, OR, UT and WA. Submission and eligibility should account for state-specific exposures and local loss trends when you prepare the file. Why place this business with Amwins Underwriting (SPFM) Longstanding specialty program experience focused on property managers and owners Underwriters who will price and structure accounts on a subjective basis when appropriate High blanket limits and specialized premises environmental coverage to address common real estate risks Want to learn more about this program? Click here. Frequently Asked Questions What types of accounts are a good fit for the Apartment / HOAs / Commercial LRO program?Accounts that fit well include apartment buildings, HOAs, mixed-use properties and commercial lessor’s risk-only portfolios located in AZ, CA, NV, OR, UT and WA—especially small to mid-sized portfolios that benefit from subjective underwriting and consolidated blanket property limits. What submission information should I include to speed underwriting?Provide a five-year loss run, details on recent water damage or moisture-related claims, occupancy and construction info for each location, and the completed supplemental application. Clear documentation of risk control and loss mitigation helps secure favorable terms. How does the program handle water damage or frequent water claims?Risks with water damage claims are subject to enhanced underwriting review. Depending on frequency and cause, the underwriter may request remediation plans, improved controls, or impose terms/exclusions. Is a supplemental application required?Yes. The program requires a supplemental application as part of the submission package. Can I place multi-location blanket property limits through this program?Yes. The program offers substantial blanket property limits (up to $500,000,000 per occurrence) to support owners with multiple insured locations within the eligible states. Need help placing an account? Connect with a market specialist.

NEW Excess Liability Insurance Program for Real Estate A.M. Best "A" XIII Carrier Exclusively through New Empire Group, the excess liability insurance program for real estate is admitted in all 50 states and available in the District of Columbia. Product Features Admitted placements in all 50 states Limits up to $100,000,000 Competitive rates and low minimum premiums (varies by territory) Individual policy issuance — no blanket or master-only requirement Follow form over General Liability, Auto Liability, Directors and Officers, and Workers Compensation. Overview — New Empire Group Excess Liability Program New Empire Group offers an admitted excess liability program for real estate risks administered with capacity from Crum & Forster and an A.M. Best "A" XIII-rated carrier. The program is structured for real estate owners, managers and associations that need higher limits and follow-form excess coverage over primary liability lines. You can place admitted excess policies nationwide (all 50 states and DC) with flexible limits up to $100M. Ideal Accounts and Appetite Condominium, homeowners, and community associations Apartment buildings, garden apartments, and multi-family complexes Office, commercial and light industrial buildings (LRO acceptable) Cooperatives and independent living residences The program targets standard to moderately complex real estate operations with well-managed loss exposures. It is well suited for insureds that require admitted paper, high limits, and follow-form excess over GL, Auto, D&O and Workers’ Compensation. Coverage Highlights and Advantages Admitted excess policies — easier placement for mortgagees, lenders and large institutional clients. Follow-form wording over common underlying lines to maintain coverage consistency. Limits up to $100,000,000 to support large or catastrophic exposures. Individual policy issuance simplifies account-level terms and endorsements. Underwritten capacity from a financially strong carrier (Crum & Forster). Underwriting Notes and Minimum Premiums Underwriting focuses on the quality of the underlying primary programs, loss history, risk management practices, and operation type. Minimum premiums and final pricing vary by territory — see “Varies by Territory” for minimum premium guidance. You should submit current underlying policies, loss runs (typically 5 years preferred), and a statement of operations to begin evaluation. Territories and Availability This excess liability program is admitted and available in all 50 states and the District of Columbia. For state-specific filing or regulatory questions, consult New Empire Group underwriting as placement requirements can vary by state. Why Work With New Empire Group Program administrator expertise in real estate casualty lines and admitted solutions. Direct access to an A-rated carrier and admitted paper — helpful for institutional clients and complex accounts. Flexible limits and individual policy issuance allow tailored placements at the account level. Responsive underwriting for timely quotes on mid- to large-limit excess needs. For more information on this excess liability insurance program for real estate and other programs offered by New Empire Group, please visit www.newempiregroup.com. Frequently Asked Questions What types of real estate accounts is this excess program best for?This program is best for condominium and homeowners associations, apartment and garden-style complexes, office and commercial buildings, cooperatives, and independent living residences that need admitted excess limits and follow-form coverage over their primary liability programs. Does the program write admitted paper everywhere?Yes — the program is admitted in all 50 states and available in the District of Columbia. Specific state filings and premium taxes may affect placement details, so check with underwriting for state-specific requirements. What information should I submit for a quote?Provide current underlying policies, five years of loss runs (if available), a description of operations, payroll/units and limits requested. Underwriting may request supplemental information for large or complex accounts. How are limits and minimum premiums handled?Limits are available up to $100,000,000. Minimum premiums vary by territory — New Empire Group underwriting will confirm territory-specific minimums and pricing during the quote process. Need help placing an account? Connect with a market specialist.