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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 your clients with residential and mixed-use real estate portfolios. Overview of the Exclusive Apartment Programs Our Exclusive Apartment Programs are designed to meet the unique risk management needs of apartment complexes and similar real estate assets. By leveraging the power of group purchasing, we offer competitive pricing and comprehensive coverage options for properties with residential units, as well as ancillary commercial or retail components. This program is backed by A-rated carriers and written on a non-admitted basis, allowing for flexible and creative coverage solutions that go beyond what standard markets can offer. 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) If you have a client with a small apartment complex that includes ground-floor retail tenants or a real estate investor managing mixed-use properties across multiple states, AIC’s program can deliver the protection and flexibility they need. 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 your clients security, responsiveness, and long-term partnership. Underwriting Notes and Program Flexibility Our brokerage platform emphasizes transactional efficiency and underwriting creativity. We provide fast turnaround times for qualified submissions and work closely with brokers to tailor insurance packages that address the specific exposures of each property. Minimum premium requirements vary depending on account size and location. Reach out to our team to discuss your client’s needs 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? Our deep focus on the real estate sector enables us to understand the day-to-day challenges and long-term goals of apartment owners and managers. As a wholesale broker, we give agents access to niche markets, customized coverage options, and underwriting expertise that can make all the difference in placing hard-to-fit or non-standard risks. Whether your client manages a single mid-sized apartment community or a portfolio of mixed-use properties, AIC is your go-to partner for dependable, market-savvy insurance solutions. 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, FL, and many others. Contact us to confirm availability 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, and more. Can this program cover properties with mixed-use components?Yes, the program accommodates apartment buildings with ancillary office or retail spaces. Who are the carriers supporting this program?We work with A-rated carriers to ensure financial strength and reliability 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 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.

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PRIME Umbrella Insurance for Apartment Buildings New Empire Group offers a comprehensive Umbrella Insurance Program specifically designed for Apartment Buildings. As a trusted Program Administrator, we provide retail insurance agents and brokers with access to competitive umbrella solutions that help their clients manage excess liability exposures with ease. This program is ideal for apartment building owners and property managers seeking additional protection beyond their primary liability coverage. Ideal Accounts and Appetite Our Umbrella Insurance Program targets residential apartment buildings of various sizes and configurations. Whether your client owns a single mid-rise property or a larger portfolio of multi-family units, we can design a solution that fits. The program is built to support insureds with clean loss histories who need higher limits due to lender requirements, tenant volume, or asset protection strategies. You might have a client who owns a 50-unit building in a metropolitan area and wants to increase their liability limit to meet lender demands. Or perhaps a property investor expanding their portfolio across multiple states needs a scalable umbrella solution. This program is built for those types of accounts. Coverage Highlights and Advantages Our umbrella policies provide excess limits ranging from $1 million up to $100 million. Coverage extends over the insured’s underlying policies, offering peace of mind and financial protection in high-severity loss scenarios. The umbrella policy insures against a variety of risks, including: • Bodily Injury • Property Damage • Personal Injury • Advertising Injury Through our established relationships with top-rated carriers—including Chubb, AIG, Crum & Forster, and Ohio Casualty—we’re able to offer tailored coverage with strong financial backing. Underwriting Notes and Minimum Premiums Minimum premiums for this program vary by territory and risk characteristics. Underwriting focuses on property condition, location, occupancy, and loss history. We work closely with our agent partners to assess each submission and deliver responsive quotes that align with your client’s needs and budget. Territories and Availability New Empire Group’s Umbrella Insurance for Apartment Buildings is available on an admitted basis in all 50 states and DC, including key markets such as NY, CA, FL, TX, and IL. Whether your insured operates in a single state or across multiple regions, we can help you place their umbrella coverage efficiently. Why Work With New Empire Group? With deep expertise in real estate-focused insurance programs, New Empire Group brings value to agents and brokers through knowledgeable underwriting, quick turnaround, and access to premier markets. Our team understands the complex liability exposures faced by apartment building owners and offers solutions built to support your clients’ long-term growth and risk management goals. For more information about our Umbrella Insurance for Apartment Buildings and other specialty programs offered by New Empire Group, please give us a call or send us an email. Frequently Asked Questions What types of apartment buildings are eligible for this umbrella program?This program is designed for residential apartment buildings, including mid-rise and high-rise structures, with professional management and favorable loss histories. What limit options are available through this umbrella program?We offer umbrella coverage limits starting at $1 million and going up to $100 million, depending on the size and needs of the account. Is this program available in all states?Yes, the program is available in all 50 states and Washington, DC, on an admitted basis. Which carriers support this program?Our umbrella policies are backed by top-rated carriers such as Chubb, AIG, Crum & Forster, and Ohio Casualty. What information is needed to submit a risk?Submissions typically require a completed application, schedule of locations, current underlying policies, and loss runs. Our team will guide you through the submission process. Need help placing an account? Connect with a market specialist.