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)


All States Except NY, IL and IN



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