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


  • AOP (All Other Peril) Deductible $1,000 for all risks under $1,000,000 in TIV  (Total Insured Value)
  • AOP (All Other Peril)Deductible $2,500 for all risks over $1,000,000 in TIV  (Total Insured Value)
  • 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 

Submission Requirements

Acord 125

Acord 140

Property Supplemental

Loss Runs

SOV's (Statement of Values)


All States Except NY



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