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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.

Over the last 30 years, AIC (Apartment Insurance Consultants) has built a reputation as a trusted wholesale broker specializing in the real estate industry. Our team of experts delivers tailored insurance solutions through a streamlined underwriting process designed specifically for apartment owners and managers. With our Exclusive Apartment Programs, you can access competitive rates, broad coverages, and fast quote turnaround for clients with residential and mixed-use real estate portfolios. Overview of the Exclusive Apartment Programs Our Exclusive Apartment Programs address the specific risk management needs of apartment complexes and similar real estate assets. By leveraging group purchasing and targeted underwriting, we deliver competitive pricing and comprehensive coverage for properties with residential units and ancillary commercial or retail components. This program is backed by A-rated carriers and underwritten on a non-admitted basis, giving you flexible, creative solutions that often extend beyond standard market offerings. Ideal Accounts and Target Classes This program is an excellent fit for agents and brokers placing business in the following categories: • Apartment Owners and Property Managers • Condominium Associations • Real Estate Investment Groups • Office Buildings (as part of a mixed-use schedule) • Retail Strip Centers (associated with residential properties) • Warehouses (when part of a multi-use portfolio) You might bring a client who owns a small apartment complex with ground-floor retail tenants or a real estate investor managing mixed-use properties across multiple states — AIC’s program is built to meet those scenarios. Coverage Highlights and Advantages Our program provides broad protection for both property and liability exposures, including: • 110% Margin Clause • Hired and Non-Owned Auto Liability • Terrorism Coverage • Building Ordinance or Law – Coverages A, B, and C • Excess Liability • Personal and Building Property • Real Property • Equipment Breakdown • Hail, Windstorm, and Named Storm Damage • Direct Physical Damage • Demolition and Increased Cost of Construction • General Liability These coverages are supported by stable, financially strong carriers, enabling you to offer clients security, responsiveness, and a long-term partner for complex placements. Underwriting Notes and Program Flexibility AIC emphasizes transactional efficiency and underwriting creativity. We provide quick turnaround for qualified submissions and collaborate with brokers to tailor insurance packages that address each property’s specific exposures. Minimum premium requirements vary by account size and location; contact our team to discuss details and get a quote started. States Available This program is 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? As a wholesale broker focused on real estate, AIC understands the operational challenges and long-term needs of apartment owners and managers. Working through AIC gives you access to niche markets, customized coverage options, and underwriting expertise that help place hard-to-fit or non-standard risks. Whether the account is a single mid-sized apartment community or a portfolio of mixed-use properties, AIC provides pragmatic underwriting, access to A-rated non-admitted carriers, and a partner-oriented approach to placement. Frequently Asked Questions What types of accounts are a good fit for this program?Apartment buildings, condominium associations, mixed-use properties with retail or office components, and real estate investment portfolios are ideal fits. Is this program available nationwide?The program is available in most U.S. states, including CA, TX, NY, and many others listed above. Contact us to confirm availability and placement options in your client’s state. What coverages are included in the program?Coverage includes property, general liability, hired and non-owned auto, equipment breakdown, ordinance or law, wind/hail/named storm, excess liability, and other built coverages for apartment and mixed-use risks. Can this program cover properties with mixed-use components?Yes. The program accommodates apartment buildings that include ancillary offices, retail spaces, or other commercial tenants as part of a scheduled exposure. Who are the carriers supporting this program?We work with A-rated carriers to ensure financial strength and reliable claims capacity for your clients. Need help placing an account? Connect with a market specialist.

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.

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