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...-share basis Programs for rehabilitation and renovation work, including no...ts?Yes, the program accommodates rehabilitation and renovation work, including...

NSM Insurance Group provides a focused market for agents and brokers placing addiction recovery facilities. The Addiction Treatment Providers Insurance Program is built to address the complex and evolving exposures of behavioral health and substance abuse treatment organizations. Backed by top-rated carriers and available nationwide, the program combines broad coverage options with underwriting expertise specific to this niche. Ideal Accounts and Appetite This program fits licensed addiction treatment centers, detox facilities, sober living homes, outpatient clinics, and other behavioral health organizations. NSM can underwrite single-location outpatient providers as well as multi-site residential programs. Coverage is structured to address the common property, liability, and professional exposures these operations face. Coverage Highlights and Advantages NSM’s program offers a comprehensive portfolio designed for addiction treatment providers. Key coverages include: Property – Building & Personal Property Water backup of sewers, drains, or sumps Sign coverage without limitation Business interruption including extra expense Earthquake and flood (where available) Ordinance or law coverage Boiler & machinery Electronic data processing (EDP) Crime and inland marine General liability – includes fundraising events Professional liability – occurrence form Automobile – non-owned, hired, rental reimbursement Umbrella liability Underwriting Notes and Minimum Premiums Minimum premiums and specific terms vary by class of business, location, and coverage choices. NSM’s underwriting team applies industry knowledge to review each submission efficiently and help identify appropriate coverage combinations for your client. For tighter turnaround, include occupancy details, licensing status, claims history, and staffing/clinical protocols with your submission. Territories and Availability The program is available across all 50 states and Washington, DC, with admitted paper in most jurisdictions. NSM can place accounts nationwide and provides state-specific underwriting insight where required. Why Work with NSM Insurance Group As a specialty Managing General Agency, NSM focuses on niche healthcare and behavioral health risks. Their carrier relationships, targeted appetite, and experienced underwriting team help you place accounts that general commercial markets may decline or limit. Expect competitive structures, responsive service, and guidance through quote-to-bind. Example fits: a brokered submission for a multi-site sober living operator expanding into a second state, or a start-up outpatient clinic seeking occurrence-form professional liability alongside property and general liability. NSM’s program is built to handle both routine placements and more complex behavioral health operations. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for substance abuse rehab centers, outpatient treatment providers, detox facilities, and sober living homes. Is coverage available nationwide?Yes, the program is available in all 50 states and Washington, DC, with admitted coverage in most states. What makes NSM’s program different from general commercial insurance?NSM’s program is tailored specifically for addiction treatment providers, offering customized coverages such as professional liability on an occurrence form and coverage for fundraising events. Can I get coverage for a new or expanding facility?Yes, new ventures and growing operations are eligible, subject to underwriting review and risk characteristics. How quickly can I get a quote?Turnaround times vary, but NSM is known for responsive service and efficient processing of submissions. Need help placing an account? Connect with a market specialist.

...e vacant, under renovation or rehabilitation, or newly constructed. Tenants co...s, buildings under renovation or rehabilitation, new construction projects, and tenants performing build-out...

... commercial and light industrial projects. Ideal Accounts and Appetite Th...dential and commercial construction projects, including ground-up builds, reno...

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.

... residential or light commercial projects, this program offers the flexibility... coverage aligned with green-energy projects. Or a growing landscaping firm ...

...all to medium low-income housing projects operated by 501(c)(3) organizations ...

...etail buildouts, and residential projects. We also consider accounts with subc...

...ports restoration and renovation projects with coverage during construction. ...ualified renovation and restoration projects, including those using historic t...