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... habitational risks, including condominiums, apartments, and time-share proper...program?This program is ideal for condominiums, apartment buildings, and time-...

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.

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.

Comprehensive Habitational Insurance Solutions from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a dedicated Habitational Insurance program for agents and brokers placing coverage for multi-unit residential property risks. The program provides tailored solutions for apartment complexes, condominium associations, townhome communities, and mixed-use buildings with residential components across a broad geographic footprint. Ideal Accounts and Target Classes This program is designed for insureds who own or manage multi-unit residential properties, including: Apartment buildings (market-rate and affordable housing) Condominium associations Townhome and townhouse communities Mixed-use buildings with residential units Whether your client is a single-property owner, an investor with several complexes, or a property management company, the program can be structured to match different risk profiles and operational models. Coverage Highlights and Available Limits The Habitational Insurance program includes core coverages that address the primary exposures faced by residential property owners: General Liability – $1M per occurrence / $2M aggregate Property Coverage – Up to $5M Total Insured Value (TIV) per location Additional optional or package components commonly available include: Hired & Non-Owned Auto liability Employee Benefits liability Equipment Breakdown coverage These coverages help your clients manage the financial impact of property damage, liability claims, and operational interruptions so they can focus on maintaining occupancy and cash flow. Underwriting Approach and Minimum Premiums Continental Risk / Continental Marine works with a mix of admitted and non-admitted markets to provide flexibility in placement. Underwriting evaluates each submission on its individual merits; key factors include location, construction type, age and condition of building systems, occupancy, management practices, and prior loss history. Minimum premium levels vary by state, limits, and specific risk characteristics. Submissions demonstrating good maintenance, recent system upgrades (roofing, electrical, fire protection), and favorable loss histories generally receive stronger terms. Risks with older construction, recurring claim activity, or significant deferred maintenance are considered but will require detailed documentation and may face more restrictive terms. Territorial Reach The Habitational Insurance program is available nationwide, including all 50 states and Washington, D.C. Continental Risk / Continental Marine can place business in admitted markets where available and use non-admitted solutions where appropriate to achieve the coverage or limits your client needs. Why Work With Continental Risk / Continental Marine Insurance Services? As a wholesale broker, Continental Risk / Continental Marine brings decades of habitational placement experience and relationships with multiple carriers. Agents benefit from: Access to both admitted and non-admitted markets Underwriting expertise focused on multi-unit residential exposures Flexible program structures and available endorsements tailored to property operations Responsive service to help place difficult or specialty habitational risks Example scenarios where this program is a strong option: you have a client managing a 60-unit apartment complex in a coastal area with some older construction and recent system upgrades, or a condominium association seeking higher liability limits and equipment coverage. Continental Risk / Continental Marine can help package those accounts and submit to the markets most likely to offer competitive terms. To learn more about placing habitational accounts through this program, contact the team at Continental Risk / Continental Marine Insurance Services. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include apartment complexes, condominium associations, townhome communities, and mixed-use buildings with residential units. What are the liability and property coverage limits offered?The program offers general liability limits of $1 million per occurrence and $2 million aggregate, with property coverage available up to $5 million TIV per location. Are both admitted and non-admitted carriers available?Yes, Continental Risk / Continental Marine works with a variety of carriers, including admitted markets in select states and non-admitted options where appropriate. What underwriting information is needed for a quote?Typical submissions should include property details, construction year, updates, occupancy, loss history, and current coverage information. Is this program available in all states?Yes, the Habitational Insurance program is available in all 50 states and Washington, D.C. 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.

A Custom Approach to Community Association Coverage Our Tailored Community Association Plan (TCAP) offers agents a comprehensive portfolio of insurance products specifically designed to address the unique exposures faced by condominium, townhome and single-family community associations, among others. We provide coverage for enhanced liability and property, full replacement cost, broad crime, equipment breakdown, directors and officers (D&O) liability and more. Using Marshall & Swift — the gold standard for building cost data — we help determine accurate replacement property values to ensure proper coverage amounts in the event of a loss. In addition to brokering to our contract markets for multifamily HOA coverages, we also underwrite two exclusive in-house programs: Wind/Hail Deductible Buyback Program through Lloyd’s of London, typically for properties with TIVs under $100 million (larger risks can be referred as needed) Single-Family HOA Program with Nationwide E&S, providing property, general liability, hired and non-owned auto, crime and D&O coverage in a single package policy Available across the continental U.S., TCAP programs help protect community associations’ property and assets against casualty losses, personal injury claims, property damage and catastrophic events. Coverage extends to directors, officers, trustees, employees, volunteers, committee members and the associations themselves for management liability exposures. Program Highlights Community Associations Institute (CAI) National Members Each community inspected every three years Credits available for property manager and companies with CAI-recognized professional designations Underwritten with an AM Best “A+” (Excellent) rated carrier with a Financial Size Category rating of XV Deductible options from $1,000 and greater A Lloyd’s of London Coverholder

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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.

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.