If your clients have personal properties that are at risk of earthquake or flood damage Empire has a new program to fit their needs.

Program highlights

This Product is for either Personal Lines Properties or Commercial




Monoline Wind Coverage

Wind Deductible Buy-Back Program

Low Wind Deductible

No Wind Deductible

Sampling of Target Classes

  • Condominium Associations
  • Vacant Properties
  • Builder’s Risk and Course of Construction
  • Many More Available


  • 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)

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
Submission Requirements

Complete Statement of Values (SOV) Form (Acord 139) - Click to Download

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