Search CompleteMarkets

...ntial and commercial community associations. Designed to protect board members...uded at no additional premium for associations with 10 or fewer employees. Are...

...private companies, nonprofits, associations, and similar classes Separate ...ication, recent loss runs for D&O/EPLI, financials or revenue information,...

...ent Practices Liability Insurance (EPLI) through Donald Gaddis Company gives a... In which states is this EPLI program available? The progra...

...rofit). Trade and membership associations, and other program-style organizat... most recent financial statement, D&O/EPLI loss run, and employment policies. ...

.... Comprehensive Cannabis D&O and EPLI Coverage From MAXIMUM MAXIMUM provides...I submit an account with both D&O and EPLI exposures?Yes, we offer stand-alone or combined D&O and EPLI policies with shared or separate li...

...it organizations and community associations needing board and management cover...financial institutions, community associations, and healthcare organizations seeking D&O, EPLI, fiduciary, crime, cyber, or excess...

...ent Practices Liability Insurance (EPLI) program designed to help retail agent...states is this program available?This EPLI program is available in over 35 sta...

...ent Practices Liability Insurance (EPLI) program designed to help your clients...available, even if there was no prior EPLI policy in force. Can I submit anoth...

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.