Apartment Insurance Program from M.J. Hall & Company, Inc.
M.J. Hall & Company, Inc. provides an Apartment Insurance program designed for independent agents and brokers placing habitational risks. Our program is built to handle a range of multi-unit exposures — from traditional apartment buildings and multi-family complexes to hybrid operations such as apartment hotels, hostels, and boarding houses. We pair underwriting flexibility with access to admitted and non-admitted A-rated markets so you can find coverage that meets lender, owner, and operational requirements.
Ideal Accounts and Appetite
This program focuses on properties with five or more units, including:
- Apartment buildings and garden-style or mid-rise complexes
- Apartment hotels, hostels and transient rental operations
- Boarding houses and rooming houses, including converted residences used for multi-family occupancy
Preferred risks demonstrate sound maintenance and professional management. We evaluate occupancy mix and tenant screening practices; accounts with favorable loss history and active risk control are more likely to secure competitive terms. Accounts with severe deferred maintenance, high vacancy with unknown tenant classes, or certain high-hazard operations may be better suited elsewhere.
Coverage Highlights and Advantages
Place a broad set of coverages through this program to address common landlord exposures and lender requirements:
- DIC (Difference-in-Conditions) / Earthquake / Flood — for catastrophe-exposed regions
- Employment Practices Liability (EPLI) — landlord/management employment exposures
- Excess Liability / Umbrella — layered limits above primary policies
- General Liability, Property, or Package policies — structured by underwriting appetite
- Tenant Discrimination — coverage for fair housing exposures
- Workers’ Compensation — available for qualifying accounts in select states
We work with a panel of A-rated admitted and non-admitted carriers to match coverage forms and capacity to the account’s profile. That market access helps you assemble solutions for straightforward and non-standard habitational placements alike.
Underwriting Notes and Minimum Premiums
Submissions are reviewed on location, building age and construction, occupancy mix (long-term vs. transient), property condition, security and management practices, and loss history. Minimum premiums generally start around $2,500 and increase based on coverages and exposure; final premium thresholds depend on the carrier and state.
Example scenarios that fit well:
- You have a client with a well-maintained 12-unit apartment building in California needing Earthquake coverage and Tenant Discrimination limits — we can pursue admitted or non-admitted earthquake placements depending on appetite and limits.
- A converted boarding house in Nevada with both long-term tenants and short-term stays — the program can package property, liability, and EPLI to address blended exposures.
Territories and Market Availability
We currently write apartment business in the following states: Alaska (AK), Arizona (AZ), California (CA), Hawaii (HI), and Nevada (NV). Both admitted and non-admitted options are available depending on the state, the size of the risk, and the requested coverages.
Why Work With M.J. Hall & Company, Inc.?
As an Excess & Surplus Lines Broker, M.J. Hall & Company brings decades of habitational placement experience and deep surplus lines market access. We specialize in placing challenging and niche habitational risks and can guide you to solutions that balance capacity, coverage form, and cost. Our team works directly with agents to clarify submission needs, target appropriate carriers, and navigate admitted versus non-admitted placement options.
For appointment inquiries or to discuss a submission, contact: [email protected]
Need help placing an account? Connect with a market specialist.