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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.

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.

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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.

Advanced E&S Group is a trusted Managing General Agency and Surplus Lines broker with a strong presence across the Midwest. We underwrite a wide array of commercial property and casualty risks and offer both package and monoline products. Our Apartment Building Owners Insurance program is built specifically for residential property owners and managers who need comprehensive protection for buildings, business operations, and liability exposures. Ideal Accounts and Appetite This program is designed for independent agents and brokers placing business for small- to mid-size apartment buildings, multi-family dwellings, and residential rental portfolios. We can tailor solutions for a single low-rise garden-style complex, a mid-rise apartment building, or a small portfolio of rental properties. We prefer accounts with stable tenancy, documented maintenance programs, and updated building systems. Older construction can be considered when renovations or system upgrades are well documented. Owner-occupied buildings, student housing, and subsidized housing are evaluated on a case-by-case basis based on location and specific risk characteristics. Coverage Highlights and Advantages Apartment House Package – Bundled property and liability coverage tailored for apartment owners Boiler & Machinery – Coverage for mechanical systems and equipment breakdowns Business Income – Reimbursement for lost rental income following a covered loss CGL & Excess Liability – Primary and excess liability options to protect against third-party claims Fire – Core protection for fire-related losses General Liability (GL) – Premises liability for bodily injury and property damage Property – Building, structural components, and contents coverage Real & Business Personal Property – Coverage for physical structures and business-related contents Theft – Protection for losses due to theft or vandalism Umbrella – Additional liability limits to supplement underlying policies Underwriting Notes and Minimum Premiums This program is placed on a non-admitted basis, which provides flexibility for unique or hard-to-place risks and enables customized forms and limits. Minimum premiums vary by state, construction type, occupancy, and chosen limits. We work directly with agents to define appropriate coverage, limits, and pricing for each account. Territories and Availability The Apartment Building Owners Insurance program is available in: CT, FL, IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, and WI. We understand regional exposures in these states and access multiple surplus lines carriers to place business where admitted markets may be limited. Why Work With Advanced E&S Group? Advanced E&S Group combines deep underwriting expertise with broad market access to help agents place complex or non-standard apartment risks. Our team focuses on responsive service, practical underwriting, and flexible program design so you can secure competitive coverage for challenging accounts. Example scenarios you can place through this program: A 12-unit brick apartment building in Illinois with recent plumbing and electrical upgrades and a clean loss history — candidate for a bundled apartment house package with business income and boiler coverage. A small portfolio of mid-rise rental properties in Ohio where one building has older construction but documented renovations — eligible for placement after review of loss control measures and occupancy information. Frequently Asked Questions What types of accounts are a good fit for this program?We target small- to mid-size apartment buildings, multi-family dwellings, and residential rental portfolios—especially those with stable tenancy and documented maintenance. Is this program available on an admitted basis?No. This program is written on a non-admitted basis to allow for underwriting flexibility and tailored coverage options. What coverage options are included in the apartment package?Common inclusions are property, general liability, business income, boiler & machinery, theft, umbrella, and excess liability, depending on the account. Which states is this program offered in?This program is available in CT, FL, IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, and WI. What is the minimum premium for this program?Minimum premiums vary according to size, location, construction, and coverage needs. Contact our underwriting team for guidance on specific accounts. 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.