Programs & Coverages:
Real Estate Umbrella, Express Real Estate Umbrella, Builders Risk, Vacant Buildings, City Program (City Landlord, City Multi-family, City Condo), New York Brick & Brownstone Insurance Program, Community Association Umbrella Liability, Crime Coverage for Community Associations, D&O Liability for Community Associations, Express Hotel Umbrella, Hotel Umbrella Insurance, Hotel Liability Insurance, Restaurant Umbrella Insurance, Restaurant Package, Cyber Insurance for Hotels and Restaurants Hotels, Workers' Comp, Resort Umbrella Insurance, Casino Umbrella Insurance, City Club Umbrella Insurance, Community Association Package
M1180 Ave of the Americas, 16th Floor |
New York, NY 10036
Distinguished Programs is a leading national insurance program manager focused on niche products for select business segments and industries. The company provides a wide range of competitive property and liability programs for commercial real estate risks, museums, small retail businesses, contractors and other business types. Programs are distributed through a growing network of more than 2,500 independent agents and brokers. Distinguished is the recipient of the “Best Practices Designation” by the Target Markets Program Administrators Association and made Inc. Magazine’s 2012 list of the fastest-growing private companies in America.
Valuable protection with limits from $1 million - $150 million
Our Real Estate Umbrella insurance program established the country’s first and longest-running Real Estate Umbrella Liability insurance purchasing group.
With unmatched experience and expertise, we'll help you serve your larger real estate clients and get them the coverage and protection they need.
Key advantages:
Limits from $1M to $150M
No shared limits
Admitted, A.M. Best A rated carriers
Superior level of claims service and support
Competitive pricing and low minimum premiums
Automatic renewal process for most risks
No Assault and Battery exclusion
No Abuse and Molestation exclusion for some risks
Crisis Response Coverage
Unintentional Errors or Omissions
Broad Named Insured endorsement (to include additional insureds)
Limitation of coverage to specified locations endorsement - Newly acquired locations must be reported to and accepted by the company within ninety (90) days
Eligibility:
Residential and commercial buildings (LRO) including:
Condominiums
Cooperatives
Apartments / rentals
Townhouses
Homeowner associations
Planned unit developments (residential & commercial)
Offering liability limits at competitive prices for a broad range of real estate risks, the Express Real Estate Umbrella Insurance program is ideal for smaller accounts with five locations or fewer. You'll be able to submit new business via our easy-to-use Broker Portal, making it very efficient.
Formed by Distinguished Programs in 1987, this Umbrella program is the country’s first and longest-running of its kind. Today our Umbrella programs are among the largest in the United States.
Competitive pricing, outstanding value and online submission.
Key Advantages
Limits from $1M to $70M
Admitted, A.M. Best A rated carriers
Directors & Officers Liability for not-for-profit community associations
Competitive pricing and low minimum premiums
No shared limits
Automatic renewal process for most risks
One-step, easy online quoting and policy issuance
Superior level of claims service and support
Directors & Officers Liability for not-for-profit community associations
It couldn't be easier to get your commercial and residential clients insured during construction. And you'll be able to easily transition your clients into their next policy when construction is done.
With flexible policy terms – 6 or 12 months – and the ability to extend, you'll get your clients covered with minimal effort and maximum protection.
The ease and flexibility you and your real estate clients need.
Key advantages:
Competitive pricing and commission
Low minimum premiums
No volume commitments
A.M. Best – A rated carrier
Backed by a specialized Builder's Risk group, delivering the highest level of expertise and service
One-step, easy online quoting and policy issuance
A fast, cost-effective way to handle small accounts – rate and issue with two short screens of data entry
Superior claims service
SUBJECT TO POLICY COVERAGE AND WORDING.
Buildings or Structures in the Course of Construction
Scaffolding, Fencing, and Temporary Structures
Fraud and Deceit – up to $50,000
Soft Costs – Actual Loss Sustained, not to exceed 10% of the project’s completed value
Limited Fungus – arising out of a covered peril, up to $15,000
General Liability limits up to $1M/$2M available, provided that the owner is not the contractor/GC, subject to program guidelines; General Liability is not available in DE, FL, HI, KY, and NY
Additional coverages listed in the policy
SUPPLEMENTAL COVERAGE:
Expediting Expenses up to $10,000
Expenses to Re-erect Scaffolding up to $15,000
Ordinance or Law – arising out of a covered peril listed in the policy – see policy for coverage limit
Personal Property – up to $10,000
Rewards – up to $10,000
Temporary Storage Location – up to $25,000 – with higher limits available
Sewer Backup – up to $10,000
Transit – up to $15,000 – higher limits available
Blueprints and Construction Documents – up to $20,000
Trees, Shrubs, and Plants – located at the covered job site and being planted or installed as part of the construction project
Eligibility:
New Construction: Protects your property when building from the ground up. TIV up to $10M for ground-up new construction projects
Remodeler’s Risks: For both existing structures and improvements; TIV up to $5M for Remodeler’s
Betterments Only: For condo owner or tenants that need coverage for improvements made in their unit; TIV up to $5M
We can entertain prior starts in the event the project began within 30 days of application
Vacant Building Insurance protects your clients' assets for the interim period before a property is leased or sold.
You'll be able to offer clients a range of policy terms and transition coverage to another policy when the time comes. This is especially important for properties that undergo any type of construction, as you'll be able to switch between Builder's Risk and Vacant Building Insurance with ease.
The ease and flexibility you and your real estate clients need.
Key advantages:
Special coverage form designed for residential and commercial properties during periods of vacancy
Limits up to $5M
Competitive pricing and commission
A.M. Best – A rated carrier (non-admitted)
Actual Cash Value and Replacement Cost coverage available
Fast turnaround and electronic processing
3-, 6- and 12-month terms available
No volume commitment
Responsive claims service and expert claims management
General Liability coverage available
Subject to policy coverage and wording.
Direct Physical Loss of or damage to Covered Property, unless excluded or limited
Debris Removal – subject to policy provisions
Fire Department Service Charge – Up to $1,000
Pollutant Clean-up and Removal – Up to $10,000
Coverage for Loss to the Undamaged Portion of a Building – subject to policy provisions
Limited Fungus, Wet Rot, Dry Rot, and Bacteria – Up to $15,000
Water Damage, other liquids, powder or molten material damage – subject to policy provisions
Glass – subject to policy provisions
Theft and Vandalism – subject to policy provisions
Eligibility:
Vacant, single-family dwellings and multi-family structures
Vacant commercial structures including retail, office buildings, wholesale and light-service industries
Less than 30% occupied (single-family homes need to be 100% vacant)
City Program (City Landlord, City Multi-family, City Condo)
For your City Housing Owners
Our City Multi-Family, City Landlord, and City Condo Insurance program addresses the needs of property owners with two to 100 units, including mixed-use, in designated cities. Easy, online submit-quote-bind makes it efficient and simple to get your clients covered.
Protecting your clients' personal assets.
Key advantages:
Competitively priced package policy that includes coverage for Equipment Breakdown, Back-up of Sewer and Drains, & Ordinance or Law A, B & C
Policy holders have access to vetted, qualified tradespeople via Sedgwick Repair Services
Easy-to-complete application on our on-line portal
Automatic renewal process
Availability of Personal Lines forms for owner-occupied properties for contents coverage and additional liability coverage
NEW! Now permitting pools (subject to safety requirements)
Replacement Cost valuation
Electronic policy delivery
"All risk" policy form unless the loss or damage is excluded or limited by other provisions
Ordinance or Law
Included loss to undamaged portion of building
Additional limits for demolition cost
Additional limits for increased cost of construction
Replacement Cost with Agreed amount endorsement
Back-up of Sewers and Drains included
Minimum AOP deductible $1,000 with $2,500 water damage deductible; AOP deductible options up to $10,000
Our New York Brick & Brownstone Insurance program addresses the needs of property owners with two to 30 units, including mixed-use, in designated cities. Easy, online submit-quote-bind makes it efficient and simple to get your clients covered.
Owners of real estate in the urban environment have very specific needs. Make sure you provide your city dwelling clients the right protection and coverage.
The right coverage for your New York City clients.
Key advantages:
A.M. Best A+ rated admitted carrier
Competitive pricing
Value-added risk management services
Special Form – Cause of loss
Agreed Amount available on Building Coverage
Replacement Cost
Equipment Breakdown, miscellaneous electrical apparatus included
Terrorism included
Ordinance or Law
Coverage A - Up to building limit, Coverage B and C each - 25% of building value or min $150k
Deductible options from $1,000 to $10,000
Business Income including rental value with extra expense
Employee Theft
Back up of Sewers and Drains up to policy limits
Eligibility:
Risk territory: Manhattan, Brooklyn, Queens
Size: 1 – 30 units
Classes: condos, co-ops, brownstones, row housing and apartment buildings
Construction: joisted masonry or better
TIV to $6M for JMS (jointed masonry structures)
Residential properties including mixed-use properties with at least 50% residential
Protect your association clients against financial crimes. In the event of fraud, forgery, or theft your Community Associations Crime Insurance ensures your association will be protected against financial loss.
With flexible limits that range from $10,000 and up to $5M, you'll be able to get the coverage that addresses your client's specific needs.
Easy and fast online Submit-Quote-Bind.
Key advantages:
Available as Agreement 1 only (Employee Dishonesty) or Agreements 1-6+8
A managing agent endorsement
Financials are not necessary to bind
One step, online quoting and policy issuance
Limits start at $10,000 and can be increased up to $5M
Various deductibles are available, including high-deductible options allowing our policy to sit above another
First-Party Coverage – Wrongful acts committed by board members, employees, volunteers, or property managers (subject to policy terms and conditions)
Agreement 1 Employee Dishonesty
Third-Party Coverages – Wrongful acts committed by perpetrators not employed by or associated with the association (subject to policy terms and conditions)
Agreement 2 - Forgery or alteration
Agreement 3 - Inside the premises
Agreement 4 - Outside the premises
Agreement 5 - Computer fraud
Agreement 6 - Money orders and counterfeit paper currency
This coverage is designed to protect not-for-profit community association board members from lawsuits that result from management-related actions or decisions made while they are serving.
Established in 2003, and one of our flagship products, Distinguished's Community Associations Directors and Officers Insurance is top-of-the-line and underwritten by a team renowned for their expertise and commitment to this line of business.
Key advantages:
First-dollar defense
Defense outside the limit of liability
Defense for breach of third-party contract
Broad definition of insured - includes those performing property management services
One-step, easy online quoting and policy issuance application
Financials not necessary to bind
Low minimum premium
Highly competitive D&O rates for qualified segments
Legal Concierge Hotline provides insureds general advice from a nationally recognized and carrier-approved law firm
Coverage limits of $1M to $5M (we offer increments of $1M)
First-dollar defense
Defense for breach of a third-party contract
Defense for non-monetary damage allegations
No individual insured vs. individual insured exclusion
Punitive damages protection where permitted by law
A duty to defend the association and its members
A broad definition of claim
Cyber Liability for digital breaches of data, including credit monitoring for affected parties
BROADLY DEFINED EMPLOYMENT PRACTICES LIABILITY, WHICH INCLUDES AUTOMATIC COVERAGE FOR:
Wrongful termination
Violation of employment laws
Discrimination
Wrongful discipline
Negligent evaluation
Failure to provide adequate workplace policies or procedures
This Hotel Umbrella coverage is the perfect fit for your well-maintained select-service and midscale hotel clients. No need to build the limits your clients need, with the Express Hotel Umbrella Insurance you've got limits up to $105M.
You'll also appreciate our easy and efficient online submissions via our Broker Portal. Rely on our industry expertise to grow your hotel business.
Key advantages:
Broad coverage including General Liability, Liquor Liability and Auto Liability
Specialized, dedicated hospitality claims management team
Umbrella/Excess Liability with limits up to $105M
Hospitality GL Program offers $1M/$2M Limits of Liability for GL & Liquor Liability
Broad Form Named Insured coverage
Crisis Response
Professional Healthcare Services
Fungi or Bacteria Limited Exclusion
HNO/Owned Autos & Garagekeepers coverage
Limits of Liability Apply on a Per Location Basis, No Cap
Coverage includes Innkeepers (up to $1M limit of liability; sublimit on guests cash to $25,000)
Catastrophic Management Coverage
Umbrella limits up to $105M
No exclusion for Legionella
Eligibility:
Limited-service hotels usually have low operating costs and receipts due to their lack of extras. Room rates are typically lower, because these hotels cater to budget-conscious travelers.
Available in all 50 states
Broad eligibility spectrum:
High rise buildings
Outside egress
All types of construction
Food and beverage exposure
Pools
Small fitness facilities
Can follow most underlying carriers AM Best-rated A- VII or better
We view our partnership with our brokers and hotels/resorts as more than providing insurance. The reality is, we’re in the business of keeping guests safe and helping hotels and resorts navigate a crisis when a loss occurs.
Our Hotel Liability Insurance Program offers General Liability and Umbrella insurance and covers almost one million hotel rooms nationwide – the longest-running program in the country.
Value, expertise, and experience your clients can rely on.
Key advantages:
$1M/$2M limits for GL and Liquor Liability
Broad Form Named Insured coverage
Crisis Response
Professional Healthcare Services
Fungi or Bacteria limited exclusion
HNO/Owned Autos & Garagekeepers coverage
Limits of Liability apply on a per-location basis, no cap
Includes Innkeepers (up to $1M limit of Liability; sublimit on guest’s cash to $25,000
Umbrellas are for extra protection when the unforeseeable happens.
Our high excess limits provide outstanding value for insureds that require additional coverage. Designed by industry liability experts, your restaurant clients can rest assured they'll be covered when they need it most.
Your ONE-STOP-SHOP for all restaurant insurance.
Key Advantage:
Limits from $5M to $150M to satisfy any restaurant
Admitted, A.M. Best A- rated carriers
Competitive pricing and low minimum premiums
Responsive service and 24 hour direct-to-issue binding confirmation
No shared limits
No Self Insured Retention
Per Location Aggregates (subject to underlying insurance)
Follow Form Liquor Liability (subject to separate liquor limit and underwriting approval)
Eligibility:
All restaurant classifications including fine, casual and fast casual dining
The Distinguished Restaurant Package brings together all the coverages your clients need including Property, General Liability, Liquor Liability, EPLI, Cyber, and Workers' Compensation.
With over 30 years of experience, the ProHost underwriting team is known for its industry expertise and exemplary service. You'll be able to round out coverage with a high-limit umbrella, providing outstanding value and protection.
One-Stop-Shop for top-of-the-line restaurant coverage.
Key Advantages:
ProHost exclusive program -- only available through Distinguished
Hospitality Plus Endorsement -- specialized restaurant coverages included
Coverage written on an admitted basis with an A+ XV rated carrier
Employment Practices Liability and Cyber coverage available for most accounts
Liquor Liability included in the package in most states
New ventures eligible
30 years of restaurant underwriting expertise
Eligibility:
The Restaurant Package was designed for:
Fine Dining
Family/Casual with Full Table Service
Fast Casual
Wine Bars
Off-premises Caterers
We will also consider:
New Ventures with Experience
Sushi & Raw Bars
Hibachi-style Cooking Exposure
Incidental Bakery, Market, Retail, or Entertainment Exposure
As one of the most targeted industry by cyber hackers, Cyber Liability Insurance is no longer a 'nice to have' coverage for your hospitality clients, it's a necessity.
Protecting against financial and reputational loss, industry-leader Beazley also takes over the intensive notification and regulatory requirements. In our increasingly digital world, make sure your clients have the coverage they need for risks that they can't see.
Get your clients' networks covered.
Key Advantages
Limits of $1M available with higher limits upon request
Retention as low as $5,000
Coverage provided by Beazley, considered the industry leader in Cyber Liability coverage
Competitive pricing with premiums as low as $387
Easy application and quoting process
Notification Expenses outside limits of liability
Coverage includes first-party and third-party Cyber Liability
Beazley’s Cyber Breach Response services included for all policy holders
Notification Expense covered outside the limit of liability
Business Income and Cyber Extortion coverage available
Get all the protection your clients need from a single source. Distinguished Programs now offers Real Estate Workers' Compensation Insurance, giving you the ability to serve your clients more completely with coverage benefits that go above and beyond.
Your clients will have access to HROnDemand, where they'll be able to get advice from certified HR professionals whenever they need it. That's an important benefit and savings for small businesses.
For all your clients with employees in eligible states, including:
Designed for your casino and hotel-casino clients, you'll be able to provide the level of protection that is a must for these types of properties.
Our team of underwriters are experts in the industry and will be able to guide you and your clients throughout the entire process, ensuring you're delivering world-class service and coverage.
Some of the biggest names in gaming rely on our Casino Umbrella program.
Key Advantages:
Some of the biggest names in gaming are part of our program portfolio
Ability to cover entertainment venues where good security and controls are in place
Hotel-casinos, stand-alone casinos, and card rooms accepted
Robust sleep-at-night high-limit coverage
Coverage tailored to risk
Can include wide range of first and third-party exposures
Limits up to $175M
Broad coverage doesn't exclude Legionella
Does not automatically include Designated Premises
Designed for membership clubs in the city such as university alumni clubs and others.
Our team of underwriters are experts in the industry and will be able to guide you and your clients throughout the entire process, ensuring you're delivering world-class service and coverage.
For specialty coverages, rely on Distinguished.
Value, expertise, and experience your clients can rely on.
Property and General Liability coverage designed by real estate insurance veterans.
We deliver a unique solution for your community association clients. Combine it with our D&O, Crime, Umbrella, and Workers' Comp and you’ll have a full coverage suite with one carrier.
Competitive and comprehensive with superior claims handling.
Key Advantages
Broad building definition
Broad definition of insured
Many community structures automatically included
Easier to submit – no more CCRs required for submission
Valuation condition - Extended Replacement Cost equals 125% of Building Value
Insuring agreement follows what is required by the association’s CC&Rs
Defense for third-party breach of contract claims
Additional Insured - by contract automatically included
Additional Insured - Manager or Lessor of Premises automatically included
Mental injury, mental anguish, humiliation or shock included under bodily injury
Coverage for Employee Theft
Loss of Maintenance Fees is Actual Loss Sustained
Pollutant Clean Up $50,000
Water Backup of Sewers or Drains $100,000
Special Form
Ordinance or Law coverage A at full limit, coverage B&C 25% of Building Limit/Maximum $1M
Basic AOP deductible of $2,500 with additional options available
Eligible Property Types
500 units and below
Condominium Associations (COAs)
Homeowners Associations (HOAs)
Cooperatives (CO-OPs)
Planned Unit Developments (PUDs)
Eligible States
This program is exclusive to select brokers in the following states. If you would like to be added to the limited distribution list please contact your sales representative.
