Commercial Umbrella Programs



Condominium Associations Apartment Buildings Cooperatives
Garden Apartments Commercial and Office Buildings Industrial Buildings
Independent Living Residences Homeowners Associations Senior Housing
Planned Unit Development (PUDs)



• Limits from $1 million up to $100 million • Top rated carriers
• Competitive rates • Simple application process
• Admitted coverage in all 50 states • Fast turnaround times



Commercial Umbrella Application

Community Associations Application (Condos, Coops, HOAs)

Student Housing Supplement (requires Umbrella Application)

Day Care Supplement (requires Umbrella Application)


New submissions can be sent to

Submissions should include:
• New Empire Group Umbrella Application
• 3-5 year loss history
• Any required Supplemental Application


Commercial Umbrella Overview



Meet Your Umbrella Underwriting Team
marisa nicole-m
Marisa Vutrano
(516) 690-8124
Email Marisa
Frank Viola
(516) 690-8143
Email Frank
Nicole Muller
(516) 690-8130
Email Nicole
Alexander Dunn
(516) 690-8144
Email Alex


New Empire Group offers umbrella coverage to members of the Metropolitan Commercial Real Estate Association (MCREA), the American Association of Real Estate Owners (AAREO) and the Hospitality Risk Purchasing Group of America (HOSP). These Risk Purchasing Groups provide cost-effective umbrella coverage for the real estate and hospitality industry.
What Are Risk Purchasing Groups?

Complete copies of all policies are available to insured’s and their brokers for review and should be referred to for complete coverage information. Nothing contained here changes or amends any of the above mentioned policies.

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