Distinguished Programs, a national insurance program manager, has announced the relaunch of its Express Umbrella programs, which includes the Express Real Estate Umbrella and Express Community Associations Umbrella products. The program offers limits of up to $5 million and serves community associations, homeowner associations, condominium associations and small commercial buildings.

“The Express Umbrella program is perfect for real estate clients who are looking for additional coverage but don’t necessarily need high limits,” said Chris Larson, product manager for the Express Umbrella program. “The limits are up to $5 million, and brokers can submit business any time through the Distinguished online portal. “The streamlined process allows more flexibility for brokers to submit on their own time without office-hour restrictions.”

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The coverage will initially be non-admitted as the program is built out and the necessary state filings are obtained. Key coverages will include directors and officers, follow form, pay on behalf, defense outside limits, and zero retention.

“The Express Umbrella is a pillar for our community associations program,” said Barbara Bartson, managing vice president of the community associations program at Distinguished. “This product is designed to address the excess liability coverage demands for community associations. With our other product offerings including package, crime and D&O, brokers can submit business for all their community association clients’ insurance needs in one place.”