Search CompleteMarkets

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.

...ntal Marine Insurance Services: Apartments Buildings Insurance Continental Ris...urance Services offers a dedicated Apartments Buildings Insurance program for ...

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.

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.

...ugh Amwins Underwriting targets apartments, homeowners associations (HOAs), mi...