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...apartment hotels, and boarding or rooming houses. Designed for independent age...s, apartment hotels, and boarding or rooming houses located in our available states. I...

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.

Policy Highlights for Bed and Breakfast Insurance: Overview — Colonial General Insurance Agency, Inc. Bed and Breakfast Insurance Colonial General Insurance Agency, Inc. offers property and liability coverages written on a mono-line or packaged basis for residential homes operated as bed and breakfasts or country inns. The program is designed for owner-operated properties with traditional B&B operations — guest rooms, limited on-site dining, and modest guest services — and accepts exposures up to a maximum of 10 rooms per location. Coverage is available through a mix of admitted and excess & surplus solutions depending on the state and risk characteristics. Ideal Accounts and Appetite Owner-occupied bed & breakfasts and country inns with up to 10 guest rooms. Properties with limited food service (breakfasts and light meals) rather than full-service commercial restaurants. Converted historic homes, small inns, and rural lodgings where the owner lives on-site or nearby. Accounts with reasonable maintenance, functioning protective devices (smoke detectors, fire extinguishers), and documented safety procedures. Generally not a fit: large inns or hotels, properties with more than 10 rooms, full-service restaurants or event venues with high-exposure special events, or operations with significant liquor liability without proper controls and underwriting. Coverage Highlights and Advantages Commercial General Liability: Primary limits up to $3,000,000 occurrence/aggregate; Innkeepers liability included; $5,000 medical payments included; additional interests covered. Excess/Umbrella: Limits available up to $25,000,000 (subject to underwriting and carrier availability). Property Options: Building, Business Personal Property, Business Income, Replacement Cost or ACV, Basic/Broad/Special forms, Equipment Breakdown, Computer Equipment, Valuable Papers, Accounts Receivable, Household Personal Property. Additional Property Coverages: Food Spoilage, Inland Marine, Outside Signs. Crime Coverage: Theft of money/securities inside premises, robbery or safe burglary of other property, and outside-the-premises coverage options. Underwriting Notes and Submission Checklist Underwriters will evaluate operations, construction, occupancy, fire protection, and loss history. Common information requested on submission: Completed application and ACORD forms. Current loss runs (typically 5 years). Property address, number of guest rooms, and description of food service (on-site kitchen hours, staff, alcohol sales). Photos of exterior, guest rooms, and any commercial kitchen or common areas. Revenue breakdown (room revenue vs. food/service revenue) and details on special events if any. Note: alcohol service, weddings or large events, and full-time restaurants may trigger additional underwriting requirements or exclusions and could be better placed through specialized hospitality programs. Territories and Admitted Status Available in: AZ, CA, CO, ID, NV, NM, UT, WY. Carrier availability varies by state and risk. Colonial General operates as a Managing General Agency and Excess & Surplus Lines broker, so some risks may be placed in admitted markets where available; other risks will be placed in E&S markets when necessary. Please confirm admitted availability for the state and account you are submitting. Why Work With Colonial General Insurance Agency, Inc. on Bed & Breakfast Business Dedicated B&B/hospitality appetite tailored for small owner-operated inns. Access to multiple carriers and both admitted and non-admitted markets to find the most appropriate placement. Flexible packaging — choose mono-line property or liability, or a combined package — and options for excess limits and crime coverage. Underwriting that considers the operational details important to B&B owners (limited dining, resident owner, safety controls). Example Accounts That Fit This Program A restored Victorian home in Colorado operating as a six-room B&B, owner on-site, serves breakfast only — needs property, liability, and innkeepers coverage with business income and equipment breakdown. A four-room country inn in New Mexico with a small on-site kitchen for morning and afternoon service, seeking liability limits of $1,000,000 and umbrella capacity — admitted and E&S options explored depending on local availability. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s Bed and Breakfast program?Owner-occupied bed & breakfasts and small country inns with up to 10 guest rooms, limited food service (typically breakfast and light meals), documented safety procedures, and standard hotel/inn exposures. Larger inns, full-service restaurants, or venues that host frequent large events may not fit this program. What liability and property limits are available?Primary commercial general liability limits are available up to $3,000,000 occurrence/aggregate, with innkeepers liability and $5,000 medical payments included. Excess/umbrella capacity is available up to $25,000,000 depending on the risk and carrier appetite. Property coverages include building, BPP, business income, equipment breakdown, and optional inland marine and crime coverage. Are admitted policies available or is this strictly E&S?Colonial General has access to both admitted and excess & surplus markets. Some risks may be placed on admitted paper in eligible states; others will be placed in E&S depending on the property, occupancy, and state of placement. Confirm admitted availability at submission. What documents should I include with a submission to speed underwriting?Provide a completed application and ACORD forms, current loss runs (preferably 5 years), photos of the property, a description of food and alcohol service, revenue breakdown, and any safety/protective device information. Clear information on room counts and guest capacity is particularly helpful. Need help placing an account? Connect with a market specialist.

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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.

Policy Highlights: Auto body and paint shops require specialty insurance products, and Colonial General Insurance Agency, Inc. offers a targeted program designed for agents who place this business. Our underwriting team works with admitted and non-admitted markets to provide flexible solutions and competitive terms for shops that handle repair, refinishing, storage and towing exposures. Overview of the Program from Colonial General This program is available through Colonial General as a Managing General Agency and Excess & Surplus Lines broker. We place Commercial Garage and Property coverage for auto body and paint shops across select Western states. Carriers vary by risk and territory; Colonial General will work with you to find the best combination of limits, forms and premium for each account. Ideal Accounts and Appetite Independent auto body and paint shops performing collision repair, refinishing and mechanical work. Dealership rooftop body shops and multi-shop operators with consolidated limits. Shops that tow customer vehicles or provide in-transit services (towing exposures considered). Accounts with recognized loss control practices and either UL-approved paint booths or separated, explosion-proof painting areas. We typically decline or limit accounts that perform large-scale custom paint work on high-value or show vehicles due to the program’s Custom Paint Exclusion. High flammability exposures, uninsured storage yards, or shops with significant prior losses may require additional underwriting and higher retentions. Coverage Highlights and Advantages Commercial Garage Coverage available with limits up to $3,000,000 aggregate and Garage Liability limits up to $1,000,000 per accident. Medical Payments coverage (example limit: $5,000) and broadened coverage options to suit repair operations. Garage Keepers coverage on a primary basis with specified causes of loss available. Dealers Physical Damage, False Pretense, Fire Legal Liability and In-Transit coverage for towing operations. Property coverage options for buildings, business personal property and tools/equipment. Underwriting flexibility: we can consider risks without a UL-approved paint booth provided painting is done in a separate room/area with explosion-proof lighting and other accepted controls. Underwriting Notes and Minimum Premiums Colonial General underwriting evaluates each shop on operations, inventory values, paint booth design and loss history. Expect questions about: paint processes, booth certification, storage practices, employee training, and tow/in-transit procedures. Minimum premium and specific deductibles vary by carrier and state; Colonial General will quote required minimums once the submission is reviewed. Territories and Admitted Status Available in AZ, CA, CO, ID, NV, NM, UT and WY. Some coverages may be placed on admitted paper in certain states, while other accounts will be placed non-admitted/E&S depending on the carrier and the exposure — Colonial General will advise on paper availability when you submit. Why Work with Colonial General on Auto Body & Paint Shop Business Program expertise: focused appetite for garage operations and paint shops backed by experienced underwriters. Market access: multiple carrier relationships to place admitted and non-admitted business. Practical underwriting: realistic consideration of paint booth variances when controls are in place. Efficient submission handling: clear requirements and timely quotes for agents placing garage risks. Example Scenarios You might have a neighborhood collision shop that wants primary Garage Keepers and in-transit coverage for its towing operations — Colonial General can assemble a combined garage package on admitted or E&S paper depending on state. Or you might place a larger dealer body shop that needs higher aggregate limits and Dealers Physical Damage — our access to multiple markets helps secure appropriate limits. Frequently Asked Questions What types of auto body shops does this program prefer?We prefer collision repair and refinishing shops with standard mechanical repair work, documented loss control, and either UL-approved booths or separate painting areas with explosion-proof lighting. High-end custom paint shops are subject to exclusions or higher underwriting scrutiny. Is Garage Keepers coverage available on a primary basis?Yes. Garage Keepers on a primary basis is available with specified causes of loss. Limits and form details vary by carrier; Colonial General will outline options on the quote. What are the paint booth requirements?UL-approved paint booths are preferred. If a shop does not have a UL-approved booth, we may still consider the risk if painting is done in a separate room or area with explosion-proof lights and acceptable controls documented. Which states and admitted status are supported?This program writes in AZ, CA, CO, ID, NV, NM, UT and WY. Some coverages are available admitted in select states while other placements will be non-admitted/E&S; Colonial General will advise based on the specific risk and location. What documentation is helpful with a submission?Provide ACORD applications, current loss runs (prefer last 3–5 years), description of operations, paint booth certification or controls, tow/in-transit procedures, and property values. Those items speed underwriting and help produce accurate quotes. Need help placing an account? Connect with a market specialist.

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