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AIC has been a trusted provider to the real estate industry for over 30 years. With decades of dedicated focus and expertise, Apartment Insurance Consultants (AIC) has developed a strong niche within the multifamily housing sector. Our Exclusive Apartment Programs are tailored to meet the unique needs of property managers and owners of mid-sized to large apartment buildings. We understand the complex risks involved in managing residential rental properties and provide agents with the tools and coverage options necessary to protect their clients’ investments. Whether your client owns a newly developed property, an older apartment complex, or a portfolio of multifamily assets, we offer flexible and competitive solutions. We write business through: • Newly Created Programs • Our Own Proprietary Programs • Access to Other Specialized Programs • Open Market Placements for Advantageous Terms Ideal Accounts and Appetite Our Exclusive Apartment Programs are best suited for mid-sized to large apartment complexes located in urban, suburban, or high-demand markets. We work well with: Apartment portfolios with multiple locations Properties with 20+ units New construction or recently renovated buildings Owners and managers seeking comprehensive habitational coverage You might have a client expanding their portfolio in the Midwest or a management company overseeing multiple properties across the West Coast—both are excellent fits for our program. Coverage Highlights and Advantages Our programs offer robust coverage enhancements designed specifically for habitational risks: • Blanket Limits Per Location • Boiler and/or Machinery Equipment Breakdown • Replacement Cost Valuation • Backup of Sewers and Drains • 110% Margin Clause • Agreed Amount Endorsement • Terrorism Coverage • Building Ordinance or Law Compliance • No Coinsurance Clause • Extra Expense and Accounts Receivable • Actual Loss Sustained Rental Income (Time Element) • Preferred Pricing in West Coast and Midwest States These features help protect against common and complex exposures such as water damage, ordinance updates, and loss of rental income due to covered losses. Underwriting Notes and Submission Process Once you submit a complete application, our experienced underwriters move quickly to develop a competitive quote tailored to your client’s risk profile. *Please note: Turnaround time depends on the size, location, and complexity of each submission. We work with A-rated carriers on a non-admitted basis, giving us the flexibility to craft solutions outside the traditional admitted market when needed. Territories and Availability Our Exclusive Apartment Programs are available in the following states: AL, AZ, AR, CA, CO, CT, DE, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY Why Work With Apartment Insurance Consultants? AIC is a wholesale broker with a singular focus on the apartment industry. Our longevity in the space, combined with our exclusive programs and market access, gives agents a competitive edge. We bring national reach, underwriting expertise, and a responsive service team to every account. Let us help you find a custom solution that protects your client’s assets while providing competitive pricing and comprehensive coverage. Frequently Asked Questions What types of accounts are a good fit for this program?Our program is ideal for mid-sized to large apartment complexes, including portfolios and properties with 20 or more units. Is this program available in all states?No, but it is available in over 45 states including CA, TX, NY, IL, FL, and many others. Contact us for state-specific eligibility. What coverages are included in the Exclusive Apartment Program?Coverages may include General Liability, Excess Liability, Commercial Property, Equipment Breakdown, Replacement Cost, and more specialized enhancements. Are submissions handled quickly?Yes, once we receive a complete submission, our team begins the underwriting process immediately. Turnaround depends on the property's size and complexity. Can you assist with hard-to-place risks?Yes, we can access open market placements when it benefits your client and provide flexible solutions for complex or non-standard properties. Need help placing an account? Connect with a market specialist.

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Apartment House Insurance Program from Cochrane & Company Cochrane & Company offers a comprehensive Apartment House Insurance program tailored for residential rental properties with five or more units. This includes apartment buildings, complexes, apartment hotels, and boarding or rooming houses. Designed for independent agents and brokers, this program helps you secure the right coverage for your clients in a specialized and competitive market. With backing from a specialty carrier rated A+ XV by A.M. Best, you can quote with confidence knowing your insureds are supported by a financially strong partner. Ideal Accounts and Appetite This program is ideal for habitational risks such as: Apartment buildings or complexes with 5+ units Apartment hotels and extended-stay lodging Boarding and rooming houses You might have a client who owns a 20-unit apartment building in Washington or a regional property manager with multiple complexes across Idaho and Oregon—this program is built to handle those scenarios and more. Coverage Highlights and Advantages Our Apartment House Insurance program offers robust coverage options to protect both property and liability exposures common to multi-unit residential operations. Coverage Features: Apartment House Insurance Primary General Liability limits up to $3 million occurrence/aggregate $5,000 Medical Payments Coverage – included Additional Interests – included at no charge Hired and Non-owned Auto coverage Excess or Umbrella limits available up to $25 million Available Property Coverages: Building Business Personal Property Business Income Basic, Broad, or Special Form Replacement Cost or Actual Cash Value Inland Marine Equipment Breakdown Accounts Receivable Computer Equipment Outside Signs Valuable Papers Crime: Coverage available both inside and outside the premises. Underwriting Notes and Minimum Premiums The program is written on a non-admitted basis, offering flexibility in underwriting and customized solutions for unique habitational risks. Carriers vary depending on risk characteristics. Minimum premiums also vary by account size and location. Submissions with complete property information and loss histories are encouraged to streamline the underwriting process. Territories and Availability This program is available in the following states: Alaska, California, Idaho, Montana, Nevada, New Mexico, North Dakota, Oregon, Washington, and Wyoming. Why Work With Cochrane & Company? As a trusted Managing General Agency with deep experience in habitational risks, Cochrane & Company provides fast, knowledgeable service and access to strong specialty markets. With underwriting expertise and tailored solutions, we help agents like you win and retain business in the apartment and multifamily property space. For more information on our Apartment House Insurance program, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include apartment buildings or complexes with five or more units, apartment hotels, and boarding or rooming houses located in our available states. Is this program admitted or non-admitted?This is a non-admitted program, allowing for flexible underwriting and broader risk appetite for habitational exposures. What states is the program available in?The program is offered in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. What coverages are included in the standard offering?Standard coverage includes general liability with limits up to $3 million, $5,000 medical payments, additional interests at no charge, and optional umbrella/excess limits up to $25 million. Property coverages are also available. How do I get a quote or submit an account?Submit complete applications with property details and loss history directly to Cochrane & Company. Contact their underwriting team for submission guidelines. Need help placing an account? Connect with a market specialist.

Apartment Insurance available in Ohio, Kentucky and Indiana Stoermer Insurance Brokers has been placing apartment risks for independent agents across Ohio, Kentucky and Indiana for more than 30 years. As an Excess & Surplus Lines broker/wholesaler, we offer a flexible Apartment Insurance program through several markets, including an A.M. Best A++ carrier, to help you place a wide range of apartment portfolios. Overview of the Program from Stoermer Insurance Brokers This program is designed for agents who need a market for apartment buildings and multi-family properties that require flexible underwriting and broad coverage forms. We can write monoline General Liability or Property, or a combined Package. The product supports both routine and specialized exposures while keeping submission and bind processes fast for retail agents. Ideal Accounts and Appetite Apartment risks up to 100 units per location and up to 500 total units. Single-location and multiple-location portfolios. Properties with on-site amenities such as swimming pools, fitness centers, clubhouses, lakes/ponds, playgrounds and sports courts. New ventures and newly constructed properties. Risks undergoing non-structural renovations. Accounts with limited student or subsidized occupancy (up to 20% per location). Risks with loss activity within the past three years are considered. Coverage Highlights and Advantages Liability: Expanded definition of Bodily Injury to include sickness or disease caused by mental anguish or emotional distress. No General Liability deductible and no maximum building height restriction. Hired & Non-Owned Auto Liability available in most states. Limits available to $1,000,000 occurrence / $2,000,000 aggregate; Excess/Umbrella capacity to $3,000,000. Property: Equipment breakdown coverage (includes free boiler inspection where required), Special Causes of Loss and Replacement Cost available. Older buildings can be accepted with a Functional Building Valuation endorsement. Property limits available up to $3,000,000 (Protection Class 1–8). Additional advantages: A.M. Best rated A++ carrier participation, low minimum premiums, quick quote turnaround and fast binder confirmation. Underwriting Notes and Minimum Premiums Underwriting is line-by-line and considers occupancy mix, building construction, protection class, age and loss history. Non-structural renovations and newly built properties are eligible; significant structural alteration projects should be discussed at submission. Minimum premium varies by state and exposure—Stoermer typically works to keep minimums competitive for small-to-mid-size portfolios. Territories and Admitted Status This program is available in Indiana, Kentucky and Ohio. Stoermer operates as an Excess & Surplus Lines broker, and admitted coverage may be available in some states—placement depends on the specific risk and carrier appetite. Why Work with Stoermer on Apartment Business With three decades of specialty apartment underwriting experience, Stoermer provides practical placement solutions for agents who need flexible terms, broad eligibility and quick service. Our relationships with several markets — including highly rated carriers — let us offer limits and forms that match the realities of modern multi-family operations. Example scenarios that fit well: You represent a 48-unit garden-style community with a clubhouse and pool that needs combined Property and Liability coverage with equipment breakdown included. An investor client is opening a newly constructed 60-unit building with limited subsidized occupancy and requires liability limits and an excess umbrella. If you have an apartment account outside the admitted markets or with unique exposures, Stoermer can evaluate placement on a case-by-case basis. Note: Mention this ad and receive 12.5% commission on your next new business order. Frequently Asked Questions What types of apartment accounts are a good fit for this program?The program fits garden, mid-rise and larger multi-family apartment properties with up to 100 units per location (500 units total). It accepts properties with amenities (pools, fitness centers, clubhouses), new constructions, and risks undergoing non-structural renovations. Limited student or subsidized occupancy (up to 20% per location) is allowed. Can you place properties with recent losses or newly constructed buildings?Yes. Risks with loss activity within the past three years are considered, and newly constructed properties and new ventures are eligible. Underwriting will evaluate loss details, scope of construction and any risk control measures in place. Are admitted policies available or is this strictly E&S?Stoermer operates as an Excess & Surplus Lines broker and places business through several carriers. Admitted coverage may be available in some states depending on the carrier and the individual risk; otherwise placement will be on an E&S basis. What information should I include with a submission to get a quick quote?Provide a completed application or ACORD, current loss runs, schedule of buildings (construction, year built, protection class), occupancy mix, unit counts and details on on-site amenities. The more complete the submission, the faster we can deliver a competitive quote and binder confirmation. How quickly can Stoermer turn around quotes and bind coverage?Stoermer emphasizes quick quote turnaround and fast binder confirmation. Exact timing depends on the completeness of the submission and any underwriting inspections or inspections required by the carrier, but we prioritize speedy response for agency partners. Need help placing an account? Connect with a market specialist.

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. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts with five or more units are the core target: apartment buildings and complexes, apartment hotels and hostels, and boarding or rooming houses. We prefer properties with professional management and routine maintenance. Which states is this apartment insurance program available in?Coverage is currently offered in Alaska, Arizona, California, Hawaii, and Nevada. Are both admitted and non-admitted carriers available?Yes. We work with a range of A-rated admitted and non-admitted carriers and will recommend the best placement option based on the risk and state regulatory environment. What is the minimum premium for this program?Minimum premiums typically begin around $2,500 but will vary by state, coverage selections, and the account’s risk profile. Can you provide Workers’ Compensation coverage?Workers’ Compensation is available for qualifying accounts in select states. Contact us with the account details to confirm availability and any state-specific requirements.

Apartment House Insurance Program from Colonial General Insurance Agency, Inc. Colonial General Insurance Agency, Inc. offers a comprehensive Apartment House Insurance program designed for agents and brokers seeking reliable markets for habitational risks. With access to a variety of carriers and both admitted and non-admitted options (depending on the market), Colonial General provides tailored solutions for apartment buildings, rooming or boarding houses, and apartment hotels with five or more units. Ideal Accounts and Appetite This program is ideal for residential rental properties such as: Apartment buildings with 5+ units Boarding or rooming houses Apartment hotels Whether you're working with a property owner managing a small walk-up complex or a mid-sized investor with multiple properties, this program offers flexibility and broad eligibility. Accounts with solid maintenance history and professional property management are typically preferred. Coverage Highlights and Advantages Property Coverage Available: Basic, Broad, or Special Form Building and Contents Business Income Equipment Breakdown Computer Equipment Accounts Receivable Inland Marine Outside Signs Valuable Papers Replacement Cost or Actual Cash Value Commercial General Liability Coverage: Primary limits up to $3 million occurrence/aggregate $5,000 Medical Payments Coverage – included Additional Interests – included at no extra charge Hired and Non-owned Auto coverage Excess or Umbrella limits up to $25 million No deductible required Crime Coverage Options: Inside the Premises – Theft of Money and Securities Inside the Premises – Robbery or Safe Burglary of Other Property Outside the Premises The program is available on a mono-line or package policy basis, offering flexibility depending on your client’s needs. Whether your insured is concerned about property damage, liability claims, or crime-related losses, you can deliver a complete solution through Colonial General’s markets. Underwriting Notes and Market Access Colonial General works with a range of carriers, allowing for broad underwriting flexibility. While some admitted markets are available, others may be placed on an E&S basis depending on property characteristics and location. No deductible is required for general liability coverage, and favorable pricing may be available for well-maintained properties with professional oversight. Territories and Availability This program is available to licensed producers placing business in the following states: Arizona California Colorado Idaho Nevada New Mexico Utah Wyoming Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings decades of experience and deep market access to the habitational sector. Their responsive underwriting team understands the nuances of apartment house risks and helps agents place accounts that might not fit standard markets. From competitive umbrella limits to robust property and crime coverage, Colonial General equips you with the tools to meet your clients’ expectations. Whether you have a landlord client expanding their portfolio or a real estate investor with mixed-use buildings, this program offers the flexibility and strength you need to win and retain business. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include apartment buildings with five or more units, rooming houses, boarding houses, and apartment hotels. Properties with professional management and good maintenance history are preferred. Is this program available on an admitted basis?Some admitted markets are available, but coverage may also be written on a non-admitted basis depending on the risk and location. Can I write liability coverage without property coverage?Yes, Colonial General offers both mono-line and package policy options, allowing you to customize coverage based on your client's needs. What limits are available for general liability?Primary general liability limits go up to $3 million per occurrence/aggregate, with excess or umbrella limits available up to $25 million. Which states is this program available in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

Apartment Insurance Program from J.L. von Arx & Associates J.L. von Arx & Associates offers a specialized Apartment Insurance program designed for residential buildings up to five stories with five or more habitational units. This program is ideal for agents and brokers seeking dependable coverage options for apartment property owners in select western states. If your client has fewer than five units, refer to our Dwelling Program for a more appropriate fit. Ideal Accounts and Appetite This program targets standard apartment buildings that meet the following criteria: Buildings no more than five stories tall A minimum of five habitational units At least 60% occupancy No more than 50% subsidized housing or student renters Mixed-use risks with mercantile exposures may also be eligible, provided tenants carry General Liability insurance and list the property owner as an additional insured. This program is an excellent fit for agents with clients who own mid-size apartment complexes or mixed-use residential buildings with retail tenants. Coverage Highlights and Advantages J.L. von Arx & Associates enhances its apartment coverage options with key underwriting features, including: Smoke detectors required in all units Optional Assault and Battery coverage available Pool liability considered, subject to safety features: Fencing with self-closing, self-locking gates Lifesaving ring and shepherd’s hook Drain suction safety devices as required by federal standards These requirements are designed to help reduce liability exposure and improve risk profiles for eligible accounts. Underwriting Notes and Minimum Premium Minimum premium for this program starts at $500. Accounts must meet underwriting guidelines, including safety and occupancy standards. Certain risks are prohibited, such as buildings wired with aluminum wiring. Underwriters will also evaluate tenant mix, property condition, and supplemental amenities such as pools or retail operations. Territories and Availability This Apartment Insurance program is available in the following states: Arizona (AZ) California (CA) Nevada (NV) Admitted markets are available in some of these states, depending on the specific risk. J.L. von Arx & Associates partners with multiple carriers to offer flexible options for both admitted and non-admitted placements. Why Work With J.L. von Arx & Associates As a seasoned Managing General Agency and Excess & Surplus Lines Broker, J.L. von Arx & Associates brings deep expertise in habitational risks and access to multiple carriers. Their focused underwriting approach allows brokers to confidently place apartment risks that fall within a defined appetite. Whether your client owns a suburban apartment complex or a mixed-use building with ground-floor retail, this program offers a practical solution backed by experienced professionals. Frequently Asked Questions What types of accounts are a good fit for this program?Apartment buildings with five or more units, not exceeding five stories, and meeting occupancy and safety standards are ideal. Mixed-use buildings may also qualify if tenants carry proper liability coverage. Are pools allowed under this program?Yes, pools are acceptable if they meet safety requirements including fencing, self-locking gates, lifesaving equipment, and compliant drain suction systems. Is student housing eligible for coverage?Yes, but only if student renters make up no more than 50% of total occupancy. What states is this program available in?This program is currently available in Arizona, California, and Nevada. What is the minimum premium?The minimum premium for eligible accounts starts at $500, depending on risk characteristics and coverage selections. Need help placing an account? Connect with a market specialist.