Commercial Umbrella

EAGLE Umbrella Program
Our commercial umbrella program features higher limits and lower premiums with 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.
Targeted Real Estate Classes
  • Condominium Associations
  • Cooperatives
  • Community Associations
  • Homeowners Associations (HOA’s)
  • Superior Apartment Complexes
  • Retail/Strip Malls
  • Commercial and Office Buildings
  • Limit Options



    A new and revamped online submission process! Now you can submit your risks directly to our underwriting team, conditionally clear accounts, and get instant pricing indications for select real estate classes. Click here to learn more.
    Program Features
  • A.M. Best ‘A’ rated carriers or better
  • Admitted coverage in all 50 states
  • Great rates and low minimum premiums
  • Quick quoting and binding process
  • Streamlined application process
  • Coverage Highlights
  • Real estate manager covered as additional insured
  • No shared limits – each insured receives its own policy and policy number
  • Defense costs outside the limits
  • Aggregates per location
  • Crisis assistance endorsement
    • 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.

    Available States

    All 50 States

    Michael Trompeter
    Michael Trompeter
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    Very knowledgeable and great people to work with! Highly recommend!
    Yossi Burger
    Yossi Burger
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    One of the Best insurance program managers I've came across.
    Christopher Paradiso
    Christopher Paradiso
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    Ive worked with them and love the people and the service they provide. Other agencies should be doing business with them. 5 STARS ALL DAY!
    Andrea Cornell
    Andrea Cornell
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    We were in a bind and Alex saved the day! Always helpful and quick response time! Enjoy working with them!
    Katie Vaughan
    Katie Vaughan
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    New Empire provides great service. They have thorough knowledge of their products. Once they have a complete submission, they get the quote out quickly. And, they're good a following up.
    Heather Little
    Heather Little
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    I work with this group a good bit on our Coastal Condo exposures here at USI Insurance Services, Tuscaloosa. They are very helpful and the ease of doing business with them, is just what brokers need in a pinch.

    Recover is available in your state!

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