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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.

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.

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.

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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.

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.

Brown & Riding offers a competitive and flexible Apartment Building Insurance program designed specifically for surplus lines placements. As a trusted general agency and excess & surplus lines broker, Brown & Riding provides access to A-rated carriers and delivers some of the most competitive coverage solutions available in the E&S marketplace. Ideal Accounts and Appetite Apartment buildings and complexes with up to 1,000 units and multiple locations Student housing and subsidized housing placements Properties with amenities such as pools, playgrounds, and recreational areas Accounts requiring Assault & Battery coverage Locations needing Hired & Non-Owned Auto Liability Older or historic buildings that still meet underwriting standards Ineligible Risks Adult foster care or assisted living facilities Properties with armed security personnel Buildings with less than 75% annual occupancy Pools equipped with diving boards Coverage Highlights and Advantages Access to A-rated surplus lines carriers Highly competitive pricing and terms Quick quote turnaround when ACORD and supplemental apps are completed Special form and replacement cost coverage available Monoline coverage options available for flexibility Excess limits offered for larger or more complex risks Underwriting Notes and Minimum Premiums Minimum premiums start at $500 for General Liability and $1,250 for Package policies. Risks must meet basic eligibility criteria, including occupancy thresholds and acceptable property conditions. Older buildings can be considered with proper maintenance and updates. Territories and Availability This program is available on a non-admitted basis across a wide footprint, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Why Work With Brown & Riding Brown & Riding is a nationally recognized wholesale brokerage known for its deep expertise in niche property and casualty placements. Their Apartment Building Insurance program stands out for its broad eligibility, flexible coverage options, and fast, reliable service. Whether you're placing a student housing complex near a university or a subsidized housing facility with multiple locations, Brown & Riding can help you secure the right solution with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include multi-location apartment complexes, student housing, subsidized housing, and properties with amenities like pools or playgrounds. Are older apartment buildings eligible for coverage?Yes, older properties are eligible as long as they meet underwriting standards and are properly maintained. Is monoline coverage available?Yes, monoline options are available, providing flexibility for agents who need to write either property or liability on a standalone basis. What is the turnaround time for quotes?Quotes can be turned around quickly when both ACORD and supplemental applications are fully completed and submitted. Can I place risks in all states?The program is available in most states on a non-admitted basis, including over 45 states and Washington, D.C. 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 ...