Commercial Umbrella

Our commercial umbrella programs feature higher limits with lower premiums and are underwritten by some of the nation’s top carriers. Licensed in all 50 states, our risk purchasing programs provide real estate owners with vital security for lawsuits and settlements in today’s litigious society.
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Targeted Real Estate Classes
  • Condominium Associations
  • Cooperatives
  • Community Associations
  • Homeowners Associations (HOA’s)
  • Superior Apartment Complexes
  • Retail/Strip Malls (LRO)
  • Commercial and Office Buildings (LRO)
  • Industrial Buildings (LRO)*
  • * Manufacturing tenants are not eligible.
    Limit Options
    Program Features
  • High limit options up to $100M
  • A.M. Best ‘A’ rated carriers or better
  • Admitted coverage in all 50 states
  • Great rates and low minimum premiums
  • Streamlined application process
  • Quick quoting and binding
  • Coverage Highlights
  • Defense costs outside the limits
  • Aggregates per location
  • Crisis assistance endorsement
  • Real estate manager covered as additional insured
  • No shared limits – each insured receives its own policy and policy number
    • All underlying carriers must maintain a minimum A.M. Best rating of A-VII or higher.
    • Minimum underlying limits of liability:
    Comprehensive General Liability$1,000,000 Per Occurrence
    $2,000,000 General Aggregate
    $1,000,000 Products/Completed Operations Aggregate
    $1,000,000 Advertising Liability/Personal Injury
    Automobile (Non-Owned/Hired)$1,000,000 Combined Single Limit
    $1,000,000 Hired/Non-Owned (when applicable)
    Employers Liability$500,000 Each Accident
    $500,000 Each Policy
    $500,000 Each Employee
    Employee Benefits Liability$1,000,000 Each Claim/Aggregate
    Directors and Officers Liability$1,000,000 Each Claim/Aggregate per Associations
    Garage Liability$1,000,000 Each Occurrence
    Garagekeepers Legal Liability$1,000,000 Each Occurrence/Aggregate
    Send a completed Commercial Umbrella Application and loss history to
    This is a general description of coverages. Not all coverages are available in all states. Contact an underwriter for policy terms, conditions, and exclusions.
    “Our challenges for our condominium and co-op clients became much easier with the introduction and access to New Empire Group’s programs.”
    Terry Anne Boyer
    (Brooklyn, NY)
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