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... is tailored for boutique hotels, luxury resorts, destination properties and o...rogram is ideal for boutique hotels, luxury resorts, condo hotels, casino hotels, private resort communities, and s...

... Generally not suited: high-rise luxury resorts, properties with significant ...de properties, and small independent hotels. Large resorts, complex recreational operations, and certain condo-hotels typically require referral. Which ...

...ty protection for privately owned luxury suites in sports venues. Designed spe...de individuals or businesses leasing luxury suites in sports venues, whether f...

...cluding working farms), including luxury estates, vacation homes, and custom-b...torm and flood considerations. A luxury modern home in California’s wildfi...

Insurance Programs of America offers a nationwide Senior Living Insurance Program built for facilities that serve residents aged 55 and older. Marketed as SeniorLivingPro, the program delivers tailored property, liability and income solutions for independent senior housing, subsidized senior housing and age-restricted communities. Coverage is available in most states, with some county-level restrictions in designated Tier 1 and Tier 2 areas. Ideal Accounts and Appetite Age-restricted communities for residents 55 and older Both for-profit and non-profit senior living facilities Properties with or without emergency call systems Facilities offering subsidized rents, including Section 8, 202, 236, and LIHTC housing Multi-story buildings, including those not fully sprinklered This program is best suited for independent senior living communities, affordable senior housing and similar properties where on-site medical care is not the primary service. Accounts with active property management, routine resident screening, and basic life-safety systems are preferred. Risks requiring on-site skilled nursing or assisted living services should be reviewed with underwriting prior to submission. Coverage Highlights and Advantages SeniorLivingPro is placed with top-rated markets, including Lloyd’s of London and other carriers rated "A+ VX" by A.M. Best. Coverage is written on ISO forms and enhanced with limits and options targeted to senior housing exposures: Broad property coverage extensions with available increased limits Boiler and machinery (equipment breakdown) options Limited flood and earthquake coverage available where applicable Business income coverage that can address loss of Low Income Housing Tax Credits (LIHTC) Underwriting Notes and Submission Requirements To accelerate underwriting and obtain competitive terms, provide complete submissions that include: Completed ACORD applications Three years of loss history / loss runs IPOA SeniorLivingPro supplemental application Minimum premium typically starts at $10,000. Submit packages to [email protected] for initial review; include building age, construction type, occupancy mix, protection/sprinkler details and management practices to improve turn times. Territories and Availability SeniorLivingPro is available in most U.S. states. Current territories include: 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. Some county- and tier-level restrictions apply in Tier 1 and Tier 2 areas; availability and admitted/non-admitted status vary by state. The program is written on both admitted and non-admitted paper depending on the jurisdiction. Why Work With Insurance Programs of America? As a Managing General Underwriter and Excess & Surplus Lines Broker, Insurance Programs of America (IPOA) specializes in niche real estate and community-based risks. IPOA provides agents with access to multiple high-quality markets, focused underwriting for senior housing exposures, and program wording tailored to the operational realities of age-restricted communities. IPOA’s underwriting approach balances risk characteristics—construction, fire protection, management controls and subsidy programs—so agents can place a broad range of senior living accounts that may not fit standard admitted market appetite. Example scenarios where SeniorLivingPro fits well: You represent a three-story LIHTC senior housing property that is partially sprinklered and has no on-site medical services — SeniorLivingPro can provide property and business income limits designed for that risk profile. An independent senior living complex with mixed for-profit and non-profit units, routine tenant screening and emergency response systems — the program can offer tailored liability and equipment breakdown options. Frequently Asked Questions What types of accounts are a good fit for this program?Facilities serving residents aged 55 and older, including independent senior living, subsidized senior housing and age-restricted communities without on-site healthcare services. Are non-sprinklered or partially sprinklered buildings eligible?Yes. Multi-story buildings that are not fully sprinklered can qualify; underwriting will evaluate construction, fire protection and loss history to determine terms. Is the program available in all states?The program is available in most states listed above, but certain Tier 1 and Tier 2 counties may be restricted. Availability and admitted status depend on the state and carrier. What is the minimum premium for this program?Minimum premium typically starts at $10,000, though final pricing depends on risk characteristics, limits and location. What information is required for a submission?Provide completed ACORD applications, three years of loss runs and the IPOA SeniorLivingPro supplemental application. Include property details, occupancy mix and any subsidy program documentation to speed underwriting. Need help placing an account? Connect with a market specialist.

...ng. Whether you’re placing a luxury executive fleet or expanding a transp...

...may be a good fit include: A luxury beachfront condo association needing ...

Overview — Halcyon Underwriters: Personal Lines Insurance Halcyon Underwriters offers dedicated markets and underwriting expertise for high net worth personal lines accounts. Our program places large-value homeowners, high-value automobiles and related personal exposures through carriers rated A- or better by A.M. Best. We can quote and bind full personal accounts or, in many situations, consider standalone homeowners, automobile, or jewelry submissions. Personal Lines Carriers Chubb Masterpiece Fireman's Fund Prestige Safeco (excluding: homes, condos, and apartments) Travelers of Florida (Personal Auto ONLY) Lexington Elite (Surplus Lines) Eligible Classes and Typical Risks High-value homeowners and contents Condominiums and renters with higher combined limits Jewelry and personal articles High-value automobiles and collector cars Yachts (over 80 ft) and personal watercraft (under 26 ft) Motorcycles Excess liability (typically packaged with other personal lines) Coverage Highlights and Advantages Access to admitted and surplus markets rated A- or better, with carrier claim-handling experience appropriate for high net worth clients. Ability to place entire personal accounts or select standalone lines where permitted (automobile and jewelry commonly accepted alone). Wind and hail coverage available for most inland and many coastal counties when non-cat premium balances are met. Experienced personal lines underwriters who prioritize timely service and placement guidance for complex accounts. Underwriting Notes and Minimums Minimum dwelling limits typically start at $500,000 or higher for Chubb and Fireman's Fund; Lexington Coastal and Inland programs also start at $500,000. Minimum condo/renters combined building and contents value is $150,000. Standalone automobile coverage is available in many situations. Homes in coastal regions generally must be fully shuttered or have approved impact glass to qualify for wind and hail coverage. Coastal counties often require additional supporting lines on the account to meet minimum premiums and non-cat balances. Excess liability/umbrella coverage is not typically accepted on a mono-line (standalone) basis. Minimum premium guidance: $15K (program minimums apply; actual premium varies by carrier and risk). Territories and Admitted Status Available across the listed states below. Halcyon places business through admitted and non-admitted markets as appropriate for the risk and carrier appetite. States available: AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, 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 What Fits Best — Example Accounts High-value coastal homeowner: A client with a $2M home seeking comprehensive property, scheduled jewelry, and excess liability — program markets can package the required lines and meet coastal underwriting requirements (impact glass/shutters and supporting lines). Collector car owner: An insured with multiple collectible automobiles seeking agreed-value coverage and specialty auto markets — standalone auto placement is often available through our carrier panel. Why Work With Halcyon Underwriters Specialized focus on high net worth personal lines and coordinated placement across multiple A-rated carriers. Underwriters with hands-on experience handling complex valuations, scheduled property, and high limits. Flexible placement options — admitted and surplus markets, partial account placements, and standalone lines when appropriate. Responsive service and guidance on coastal requirements, non-cat premium balancing, and minimum premium expectations. Ineligible business: homeowners dwelling coverage below $500,000 and excess liability/umbrella on a mono-line basis are generally not eligible. For additional information, please contact Sarah Cadle at [email protected]. We encourage you to visit our website at www.halcyonuw.com to learn more about our personal lines capabilities. Frequently Asked Questions What types of accounts are a good fit for Halcyon Underwriters’ Personal Lines program?Clients with high-value homes, significant scheduled personal property (jewelry, fine art), collector or high-value automobiles, yachts, and those needing excess liability are the primary targets. Accounts should meet minimum dwelling or combined limits noted in the program. Can I submit a standalone auto or jewelry risk?Yes — many carriers in the panel will consider standalone automobile or jewelry submissions. Availability depends on the carrier appetite for the specific risk and the state where the insured resides. How does coastal wind/hail coverage work for this program?Wind and hail is available for inland counties and many coastal counties when non-cat premium balances and supporting lines meet carrier requirements. Coastal homes typically must have approved impact glass or full shutters to qualify. What are the program minimums I should expect when placing business?Typical dwelling minimums begin at $500,000 (vary by carrier and coastal vs. inland). The program cites a general minimum premium guideline of $15K; final premium minimums depend on carrier, state, and the total account structure. Need help placing an account? Connect with a market specialist.