My New Markets

Environmental for Real Estate

Market Detail: New Empire Group’s ( RECOVER is a storage tank and site pollution program for commercial real estate exposures, including condominium associations, cooperatives, community associations, and apartment buildings. The RECOVER program addresses risks with bodily injury, property damage, and clean-up expenses arising from the release of contaminants for those buildings that qualify. Coverage includes $50 million program aggregate and a quick quote and bind process. Coverage Highlights Include: underground and aboveground tank spills; contingent transportation coverage; illicit abandonment coverage; coverage provided for claims and remediation costs; on-site cleanup of new conditions (excluding lead or asbestos); third-party claims for on-site bodily injury for asbestos and/or lead; third-party claims for off-site cleanup resulting from new conditions (excluding lead or asbestos). Underground tanks more than 25 years old are not eligible for coverage.

Available limits: As needed

Carrier: Unable to disclose, admitted

States: Calif., Conn., Dela., D.C., Ga., Ind., Maine, Mass., N.H., N.J., N.Y., Ohio, R.I., Vt., Va., W. Va., and Wisc.

Contact: Alberto Barros at 866-431-8100 or e-mail:

Historic Properties

Market Detail: Zurich’s Historic Properties ( program offers insurance coverage to qualified properties that are listed on the National Register of Historic Places or a state or local register.

Coverages offered include: Property – historic replacement cost, guaranteed cost, cash value option; general liability; historical tax credit recapture; business income; liquor liability; and commercial auto.

Available limits: As needed

Carrier: Zuric

States: All states except Hawaii

Contact: Marketing Dept. at 800-382-2150 or e-mail:


Market Detail: Orion180 ( is a homeowners insurance provider using technology to serve independent insurance agents in the Southeastern United States. The insurance product has an A- A.M. Best rating.

Available limits: As needed

Carrier: Unable to disclose

States: Ala., Miss., N.C., and S.C.

Contact: McKenna Gregg at 321-372-4366 or e-mail:

Difference in Conditions (DIC) Endorsement

Market Detail: Pacific Specialty Insurance Co. ( will consider anyone who doesn’t qualify for an H0-3, DP-2 or Mobile Home policy because of brush, forested areas, protection classes 9 or 10 or proximity to brush. Dwelling located in or near brush areas, forested areas, or any areas of increased fire hazard (native brush must be cleared 500 feet from the premises) are eligible. H0-3, manufactured and DP-3 policy dwellings with a fireline score higher than three and/or located in Protection Class 9 or 10 are unacceptable unless DIC is applied and the following conditions exist: A California FAIR Plan or equivalent policy is concurrently in-force for the same premises.

Available limits: As needed

Carrier: Unable to disclose, admitted

States: Calif. Only

Contact: Customer service at 800-303-5000 or e-mail:

Errors & Omissions (E&O) Insurance For Insurance Agents

Market Detail: National Association of Professional Agents ( offers E&O insurance for insurance agents. Coverage features include: Coverage starts at $27.42 per month; coverage options for life, accident & health; annuities; variable products and mutual funds; and optional property and casualty. Coverage is available from admitted carrier. Instant proof of E&O insurance available; zero-dollar deductible. NAPA offers free continuing education coverage. Can apply for policy online.

Available limits: As needed

Carrier: CNA, BCS, Zurich and Prosurance, admitted coverage available

States: All states

Contact: Matt Casella at 800-282-1831 or e-mail:

Luxury Real Estate

Market Detail: Berkley Luxury Real Estate Specialists (, a division of Berkley Luxury Group offers commercial property casualty insurance for luxury cooperatives, condominiums, class A office buildings and rental properties. Will write high rise buildings (up to 40 stories); mid-rise buildings (six to 20 stories); three-to-six story buildings without elevator (walk up style); and classic brownstone residences.

Available limits: Maximum $150 million

Carrier: Admiral Indemnity Co., admitted

States: D.C., Ga., Ill., Mass., Md., Minn., N.J., N.Y., Pa., and Va.

Contact: Debra Merlo at 201-518-2545

or e-mail: