If your clients have commercial properties that are susceptible to earthquake or flood damage Empire has a new program to fit their needs.

Program highlights

This Product is for either Commercial & Personal Lines Properties

Monoline Wind Coverage

Wind Deductible Buy-Back Program

Low Wind Deductibles

No Wind Deductibles




Sampling of Target Classes

  • Condominium Associations
  • Apartment Buildings
  • Hotels & Motels
  • Retail Store
  • Restaurants
  • Vacant Properties
  • Builder’s Risk and Course of Construction
  • Many More Available

Accepted Risks

  • Tough Risks
  • High Hazard Risks
  • Prior Claims History
  • Lapse in Coverage
  • High Profile Personality Owned

Areas of Success

  • Older Structures
  • Non-Sprinklered Risks
  • More Hazardous Occupancies
  • Medium – High Brush Exposure
  • Protection Codes 4 or 6 or Higher
  • Risk with Quote Time Constraints
  • Risks With Prior Shock Losses
  • Flood A&V, CBRA & Non-Participating Zones

Sample Appetite

  • COVERAGE: Limits = $7,000,000 limit of loss with access to higher limits. (Primary, Excess, and full valued limits)
    1. D.I.C. including standalone Flood and Earthquake
    2. “ALL RISKS’ excluding Flood, and Earthquake
    3. Stand Alone Windstorm and Hail
    4. All occupancies considered, no restrictions
  • FLOOD only, Limit = up to $10,000,000 all zones considered (All occupancies considered, no restrictions)
Submission Requirements

Complete Statement of Values (SOV) Form (Acord 139)

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