For over 30 years Brownstone Insurance has been a leader in insuring condominium and apartment buildings throughout Massachusetts. We were one of the first to offer $2mm/$4mm standard liability, 3 year guaranteed rates, and all-in coverage all the time.

Now we are bringing new products and features to enhance our superior coverage! Check out our new broadening endorsement and our loss expense coverage for details on how the Brownstone master policy can benefit your clients.

The Brownstone Program automatically covers:

  • Back-up Sewer and Drain - $25,000 (higher limits available)
  • Terrorism
  • Equipment Breakdown
  • Demo & ICC - 10% of building limit (up to $250,000)
  • Fixtures and Appliances

Brownstone Broadening Endorsement:

  • Debris Removal - $250,000
  • Fire Department Service Charge/Equipment recharge - $25,000 per policy period ($10,000 per recharge)
  • Accounts Receivable - $100,000
  • Arson Reward - $5,000
  • Maintenance Fees and Assessments - $100,000
  • Computer Systems - $10,000
  • Elevator Collision - $250,000
  • Fallen Trees $500 per tree ($10,000 per policy period)
  • Fine Arts - $50,000
  • Forgery or Alteration - $25,000
  • Glass - $1,000 per plate ($10,000 per policy period)
  • Lost or Stolen Keys - $10,000 per building ($20,000 per policy period)
  • Maintenance/Storage sheds or buildings - $10,000
  • Outdoor Signs - $25,000
  • Pollutant Clean-Up and Removal - $25,000
  • Trees, Shrubs or Plants (Outdoor Property) - $25,000
  • Valuable Papers and Records - $50,000

Loss Expense Coverage:

  • Reimburses the insured for extra expenses due to managing a covered claim        
  • 5% of total paid claim (up to $1 Million)         
  • Covers extra expenses beyond contracted expenses of a property manager
  • Assists in the investigation or settlement of any non-litigation claim
  • Reimburses for actual loss of earnings up to $250 a day, due to lost time from work
  • Reimburses cost to reproduce records during verification of the covered loss

Additional Endorsements Available:

  • Hired & Non-Owned Auto
  • Directors & Officers (with no retroactive date)
  • Crime and Fidelity (includes property manager)
  • Unit owners as additional insured
  • Flood
  • Earthquake