For Tough Homeowners, High Value and Coastal Property Homes

Featured Carrier:

Program Features:

  • Minimum Value: $750,000
  • Maximum Value: $25,000,000
  • Standard Liability Limit: $1,000,000
  • HO3 and HO5 Forms Available
  • High Hazard and Difficult to Write Risks

Program Highlights:

  • Application: Acord for Homeowners and any carrier Supplemental
  • Policy Form: Standard Homeowner’s with Catastrophe endorsements
  • Underwriters: Rated AXV by AM Best

What’s Covered: Catastrophe Exposures

  • Earthquake (California)
  • Brush Fire
  • Windstorm* (Including Florida Tri-State)
  • Flood
  • Where a town/city has a protection class of 9/10
  • Expoa

    Featured Carrier:

    Rated A by A.M. Best
    Admitted and Non-Admitted

    Minimum Premium:

    • Pricing starting at $600

    Highlights and Features:

    • Maximum Schedule of Equipment: $500,000 or Higher
    • Will go to $100,000 Per Item or Higher on Request Per Approval
    • Contractor’s Equipment and Miscellaneous Property Coverage Forms Available
    • Additional Coverage Options Including:
      • Blanket Miscellaneous Tools and Equipment
      • Blanket Property Limit Available
      • Leased / Rented Equipment to(from) Others
      • Rental Reimbursement Coverage Available
      • Newly Acquired Equipment

    Available in the Following States:

    AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, 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, WV, WI

    Commission:

    • 10%

    Submission Instructions:

    • Submit Your Request for Quote Online
    • or Send ACORD 125 & 146 to quotes@empireunderwriters.com

    sures with excess flood needs (V Zones Included)

  • Areas Where There Are Catastrophe Exposures
  • High Profile Owners (Entertainers and Sports Stars) Liab Issues
  • Insureds With Poor Claims Records
  • Corporately Owned or In Trust Property (Which The Conventional Market Frowns On)
  • Caribbean Exposures

States Available:

AK, AL, AZ, CA, CO, CT, FL, GA, IL, KY, LA, MN, MO, MS, NC, NJ, NM, NV, NY, PA, SC, TN, TX, UT, VA, WI, WV
NEW STATES TO BE ADDED SOON!

Commissions:

12.5%

Submission Requirements:

  • Homeowner Acord 80
  • 3 Years Loss Runs
  • Details on Large Losses
  • Any Comprehensive Homeowners Supplemental Questionnaire

Sampling of Equipment Classes:
(Many More Available)

  • Aerial Lift
  • Agricultural Equipment
  • Air Compressor
  • Amusement Park Equipment
  • Backhoe Loader
  • Bobcat
  • Bounce Houses
  • Cameras
  • Catering Equipment
  • Concession Equipment
  • Construction Equipment
  • Crawler Loader
  • Disc Jockey Equipment
  • Entertainment Equipment
  • Excavator
  • Food Trucks
  • Forklift
  • Generator
  • Golf Carts
  • Hammer
  • Hand-Held Drill
  • Medical Equipment
  • Mobile Amusement Equipment
  • Mobile Medical Diagnostic Equipment
  • Mobile MRI Equipment
  • Mobile Office Equipment
  • Non-Residential Trailers
  • Paver
  • Pump
  • Recreational Property
  • Rototiller
  • Scraper
  • Skid Steer Loader
  • Tractor