A+ Rated Property Market Program
Rated A+ by A.M. Best, our Property Market Program is available in most states and features great commissions. Contact Empire Underwriters or send a submission today!
Target Classes
- Offices
- Apartments
- Retail
- Coastal Exposures
- Shopping Malls
- Warehouses
- Restaurants
- Schools
- Light Manufacturing
- Lessors Risk
- Condos
- HOA (Home Owners Associations)
Features & Highlights
Limits Available
- Maximum TIV (Total Insured Value) Limits $25,000,000
- Higher TIV (Total Insured Value) Limits up to $100M+ are available for Underwriting review
Deductibles AOP (All Other Perils)
- AOP Deductible $1,000 for all risks under $1,000,000 in TIV
- AOP Deductible $2,500 for all risks over $1,000,000 in TIV
- Wind Deductible varies by state
Coverage Overview
- Perils of Wind/Hail, Flood, and Earthquake are available upon review and availability
- Basic & Special Form Available
- No restrictions on age of property however, older locations will need to be fully updated
Appetite & Focus
- Ability to Cover Large Risks
- Risks in Hard to Place Locations
- Coastal Exposures
- Older Structures
- Non-Sprinklered Risks
- More Hazardous Occupancies
- Medium-High Brush Exposure
- Protection Codes 4,6, or Higher
- Risk with Quote Time Constraints
- Risks with Prior Shock Losses
- Flood A&V, CBRA & Non-Participating Zones
Submission Requirements
Acord 125
Acord 140
Property Supplemental
Loss Runs
SOV's (Statement of Values)
States
All States Except NY, IL and IN
Commissions
10%
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