Insurance Program

Meet our exclusive insurance broker for managing your insurance needs:

The Rampart Group Contact: Marc Fells
Telephone: 516-390-3856
E-mail: mfells@rampartinsurance.com

The Rampart Group is here to deliver the finest risk management products and value-added services to their clients. They promise to provide superior customer service and will counsel clients through the process of choosing an insurance carrier to best serve their needs.

Who is The Rampart Group?

At The Rampart Group, we work to provide our clients with the most cost-effective insurance products and services available today. Through delivering the finest risk management products and value-added services, we help our clients secure the insurance programs that are right for their unique needs — helping to minimize each client’s exposure to financial loss. What sets The Rampart Group apart from other insurance brokerages is our unparalleled commitment to our clients, and our strong sense of history. Since our founding in 1965, we have made client service our priority, and our staff continues to provide the attentive, responsive service that is vital for our insureds. In addition, our more than quarter century of cultivating exceptional relationships with the insurance carriers we represent allows us to deliver the finest, most cost competitive, products to our diverse client base.

Headquartered in Lake Success, Long Island, The Rampart Group also has offices in Manhattan, Fort Lee, New Jersey and Doylestown, Pennsylvania and has more than 150 employees company-wide. Serving clients across the country and providing exceptional coverage throughout the world, The Rampart Group is one of the largest and fastest-growing full service insurance brokerage firms in the NY region.

Top Five Questions Asked By Condominium Owners

As an owner of a coop or condominium unit, your insurance needs are different from home owners. Here’s why: A master policy purchased by your condo association covers your unit’s building, the common areas, and the unit owners’ collective liability. But that policy does not cover damage to your personal belongings or property within your unit that is caused by fire, theft, vandalism or other perils. Nor does it cover your personal liability in the event of a lawsuit.

Q1. Does Condominium Unit-Owners policy cover the property in my unit that I am responsible for under my condominium association agreement?

A. Yes, we cover all property in your unit that you are responsible for under your particular agreement, as well as any alterations and improvements you make. We also cover any other structures owned by you, such as a garage, on the condominium premises.

Q2. What about coverage for my own personal belongings in my unit?

A. We cover your furniture, appliances and other personal property, not just in your condominium, but anything you take with you when you travel anywhere in the world.

Q3. What if my condominium is damaged by fire or windstorm and becomes uninhabitable?

A. If you can't stay in your unit because of damage caused by a covered peril, we'll pay any necessary additional expenses you incur to live elsewhere while repairs are being made.

Q4. What if association property is damaged or someone is injured on the condominium complex grounds and sues the association?

A. If your association incurs property damage or is sued and they do not have sufficient insurance, we will pay your share of any loss assessment, up to $1,000, charged against you during the policy period. Additional coverage limits are available.

Q5. What if an injured person sues me directly?

A. Your policy automatically covers your personal liability for bodily injury or damage to the property of others worldwide. We'll even pay your attorney's fees and other defense costs, in addition to your policy's limit of liability.