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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 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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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.

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.

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.

Apartment/Condo Insurance Allstar Financial Group offers Apartment/Condo Property, Casualty and Umbrella coverages designed for independent agents and brokers who need a responsive small-business wholesaler. Our small business solutions division streamlines quoting and binding for apartment and condominium risks. Contact one of our underwriters to discuss specific program options or to get a quote. Overview of the Program This program provides flexible property, general liability and excess/umbrella solutions for habitational and mixed-use locations. Coverages are available as monoline or packaged policies, with optional enhancements and project-specific wording where appropriate. Limits and endorsements are designed to help agents place common habitational exposures as well as contractor-related risks at residential and commercial locations. Ideal Accounts and Appetite Habitational: apartment buildings, condominium associations and small to mid-size residential complexes Contractors working on habitational projects (project-specific policies available) Mixed-use locations: retail/office units with residential components Vacant or seasonal properties (class-by-class underwriting review) Wholesale/retail or institutional occupancies that are co-located with residential units Coverage Highlights and Advantages Property Coverage Highlights Total Insurable Value (TIV) up to $5,000,000 per location Monoline or package options No-coinsurance options available (may vary by risk type) Optional coverage enhancements and endorsements Equipment breakdown coverage available Casualty (GL) Highlights Monoline or package placements Minimum premium starting at $500 Primary limits up to $5,000,000 / $5,000,000 Project-specific and per-project/per-location aggregate options Uninsured subcontractor wording where appropriate Optional enhancements including blanket additional insured, waiver of subrogation, primary/non-contributory wording, hired & non-owned auto (certain classes), and miscellaneous professional liability (certain classes) Umbrella Coverage Highlights Limits available up to $5,000,000 Minimum premium starting at $750 Supported and unsupported umbrella structures Underlying requirements: AM Best A-VI or better for auto or GL carriers; AM Best B++ or better for employers’ liability; typical GL underlying limits $1M / $2M / $2M Underwriting Notes and Minimums Typical minimum premiums: GL from $500; umbrella from $750 (program minimums may vary by state and class) Project-specific policies are available for contractor exposures and renovation projects—identify scope and contract requirements on submission Availability of no-coinsurance, equipment breakdown and other endorsements depends on occupancy, protection class and specific exposures Some classes (vacancies, certain contractor operations) will be considered on a case-by-case basis and may require supplemental information Territories and Availability This program is available in the following states: AL, GA, NC, SC, TN, VA. Coverage is offered in admitted and non-admitted markets as appropriate—availability and terms may vary by state and risk characteristics. Why Work With Allstar Financial Group on Apartment/Condo Business Specialized small-business underwriting focused on habitational and contractor exposures Flexible packaging and optional endorsements to match policyholder needs Ability to handle project-specific placements and per-location aggregates Responsive underwriting team to help with quick quotes and bind requests Frequently Asked Questions What types of accounts are a good fit for this Apartment/Condo program?Accounts that typically fit include small to mid-size apartment buildings, condominium associations, mixed-use properties with residential units, and contractor projects tied to habitational work. Vacancies and some contractor classes are considered with additional underwriting information. What are the key limits and minimums I should expect on submissions?Property placements accept TIVs up to $5M per location. General liability minimum premium typically starts at $500; umbrella minimums typically start at $750. Primary GL limits can go up to $5M / $5M depending on the exposure. Which endorsements and enhancements are available?Options include no-coinsurance, equipment breakdown, blanket additional insured, waiver of subrogation, primary/non-contributory wording, per-project/per-location aggregates, hired & non-owned auto and miscellaneous professional (for certain classes). Availability depends on class and state. What information should I include with a submission to speed underwriting?Provide current loss runs (five years preferred), property values and protection information, details of contracts or project scope for contractor accounts, occupancy and unit mix, and any prior inspections or mitigation efforts. Clear documentation of contractual additional insured or waiver of subrogation requirements helps underwriters evaluate terms faster. Need help placing an account? Connect with a market specialist.

Here at Atlas General Insurance Services, we understand the unique insurance needs of apartment and condominium associations. Our Habitational Insurance Program is designed to help agents and brokers place business for clients operating residential habitational properties across the West Coast. This program is built to provide flexible and competitive coverage options for habitational risks in California, Arizona, Nevada, and New Mexico. Whether your client manages a multi-building apartment complex or a mid-rise condominium association, Atlas has a solution tailored to meet their needs. Ideal Accounts and Appetite Our program is a strong fit for: Apartment complexes and multi-family residential buildings Condominium associations Risks with up to 50% mercantile exposure Buildings with four or more habitational units We prefer accounts with a clean 5-year loss history, though we will consider a minimum of 3 years or a combination of loss data and Certificate of Experience (COE) documentation. Properties with up-to-date systems and strong occupancy rates (minimum 85%) are ideal. Coverage Highlights and Advantages Our Habitational Program offers flexible packaging and monoline options: Commercial Package: Property, General Liability, Crime, and Hired/Non-Owned Auto Monoline Options: General Liability or Property only Coverage Limits: Property: Up to $25,000,000 per location General Liability: $1,000,000 per occurrence / $2,000,000 aggregate Crime: Up to $100,000 Program Features: No age restrictions on buildings Enhanced commercial property coverage No broker or inspection fees Included endorsements at no additional charge Options for Apartment Owners, Mortgagee, Loss Payee, and CP1410 endorsements Underwriting Notes and Minimum Premiums This is a non-admitted program written through A.M. Best “A” rated carriers. The minimum premium for both package and monoline policies is $5,000. Eligibility and Required Updates: Roof updates required for buildings over 20 years old Electrical systems must have circuit breakers and copper wiring Rewiring required for buildings constructed before 1950 Plumbing updates required for buildings constructed before 1950 Protection classes 1–5 accepted; classes 6 and 7 require carrier referral Buildings over 25 stories require referral No flood or earthquake coverage offered Territories and Availability This program is available to agents and brokers with clients located in: California (CA) Arizona (AZ) New Mexico (NM) Nevada (NV) Why Work With Atlas General Insurance Services? As a trusted general agency with deep experience in commercial habitational risks, Atlas General Insurance Services provides streamlined access to competitive non-admitted markets. Our underwriting team understands the complexities of habitational exposures and is committed to helping you craft thorough, tailored solutions for your clients. Whether you’re working with a long-standing apartment owner or a newly formed condo association, we’re ready to support you with fast, responsive service and a comprehensive product offering. To learn more or submit a risk, contact us today or visit our Habitational Insurance storefront. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for apartment complexes and condominium associations with at least four habitational units and limited commercial (mercantile) exposure. Is there a minimum premium requirement?Yes, the minimum premium for both package and monoline policies is $5,000. Are older buildings eligible for coverage?Yes, there are no age restrictions, but older buildings must meet update requirements for roofing, electrical, and plumbing systems based on construction year. What territories is the program available in?The program is available in California, Arizona, New Mexico, and Nevada. Does the program offer flood or earthquake coverage?No, flood and earthquake coverage are not available under this program. Need help placing an account? Connect with a market specialist.

...ts in the following sectors: Apartments Hotels and Motels Light Industr... program?This program is ideal for apartments, hotels, office buildings, shopp...