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https://completemarkets.com/company/continental-risk-continental-marine-insurance-services/habitational-insurance/
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.
https://completemarkets.com/company/continental-risk-continental-marine-insurance-services/architects-and-engineers-insurance/
Continental Risk / Continental Marine Insurance Services offers a focused Architects and Engineers (A&E) Insurance program that helps agents place reliable professional liability protection for design professionals. We understand the exposures A&E firms face — from alleged design errors and construction-phase claims to regulatory and disciplinary actions — and we deliver admitted coverage in most states through our carrier relationships and underwriting expertise.
Our program is designed for agents and brokers who need flexible, market-ready solutions for small firms up to large consultancies. We provide access to competitive admitted markets in most states, options for project-specific excess limits, and policy features that address evolving risks such as green building, BIM services, and international project exposures.
Ideal Accounts and Appetite
This A&E program is a fit for a broad range of design professionals, including:
Architects and architectural firms
Civil, structural, electrical, and mechanical engineers
Landscape architects and land surveyors
Interior designers and urban planners
LEED-certified professionals and firms using BIM technology
We consider both start-ups and established practices. Accounts with green building projects, sustainable design elements, or complex multi-jurisdictional work match the program well. We also welcome clients returning from other carriers — loyalty credits may apply for certain renewals previously written with markets like Markel.
Example placements you might bring:
A mid-size civil engineering firm performing municipal infrastructure design with occasional international consulting assignments.
An architectural studio specializing in LEED-certified multifamily projects that needs admitted coverage and available project-specific excess limits.
Coverage Highlights and Advantages
Key features agents can offer through this program include:
No pollution exclusion — coverage can be available for claims involving pollution-related liabilities.
Worldwide coverage — protection extends to international projects and exposures where admitted placement is acceptable.
Broad definition of professional services — includes Green, LEED, and BIM-related services.
Excess limits — additional limits can be placed for specific designated projects.
Supplementary payments — standard supplementary payments are included.
Regulatory and administrative actions — coverage up to $25,000 for ADA, FHA, OSHA and similar matters.
Loss of earnings and expenses — up to $500/day, $15,000 total.
Subpoena and record request coverage — up to $5,000.
Professional license and disciplinary proceedings — up to $50,000.
Underwriting Notes and Minimum Premiums
Minimum premiums and terms depend on the firm’s scope of services, annual revenue, project types, and claims history. Underwriters assess exposures such as construction-phase services, contract wording, and international work when quoting. We can consider excess capacity and project-specific limits for higher-value placements.
Territories and Availability
Admitted coverage is available in most states. This program is currently offered in:
AL, AK, 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, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY
Why Work With Continental Risk / Continental Marine Insurance Services?
As an experienced excess & surplus lines broker, Continental Risk / Continental Marine Insurance Services pairs specialized underwriting knowledge with broad market access for design professionals. Agents benefit from responsive service, pragmatic underwriting tailored to A&E exposures, and the ability to place both standard and complex risks.
Whether your client is expanding into sustainable construction, managing multi-state projects, or seeking project-specific excess limits, our team can help you identify appropriate admitted markets and craft policy terms that address the client’s professional exposures.
Frequently Asked Questions
What types of accounts are a good fit for this program?This program is ideal for architects, engineers, LEED-certified professionals, and firms involved in sustainable design or complex projects.
Is coverage available in all states?Admitted coverage is available in most U.S. states, including major markets such as CA, TX, NY, and FL.
Are project-specific excess limits available?Yes. We can place excess limits tailored to designated projects when higher coverage amounts are required.
Does the policy cover regulatory and administrative actions?Yes. Coverage of up to $25,000 is available for certain administrative matters involving ADA, FHA, OSHA, and similar regulations.
What makes Continental Risk a strong partner for A&E insurance?We provide market access, underwriting expertise, and tailored coverage solutions specifically for architecture and engineering firms, with responsive service for both routine and complex placements.
Need help placing an account? Connect with a market specialist.