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  Product Specialty - Habitational

TARGET MARKETS:

Download our Habitational Brochure.


  •  Cooperatives
  •   Residential condominiums
  •  Town house associations and rental apartment buildings -- well maintained and in above average condition
  •  Property limits up to $150,000,000 for selected buildings

    Risks underwritten generally do not include:

  •  Coastal properties, buildings while in the course of construction
  •  Homeowners' policies, public housing, assisted living, and lead paint problems

    COVERAGES OFFERED

  •  Commercial Package Policy
  •  Monoline Liability Coverage
  •  ISO Special Form
  •  Property Enhanced Coverage Endorsements (optional) – (versions for condominiums and for rental buildings)
  •  Workers Compensation (in New York only)
  •  Umbrella

    Download our habitational supplement to Accord Application.

    Please contact us for underwriting questions.

    Property Enhanced Coverage Endorsement (Optional) - Condo / Cooperatives

  •  Option for blanket property limits
  •  Deductible waiver for substantial losses
  •  Earthquake Coverage
  •  Flood Coverage
  •  Fine Arts
  •  Computer Coverage
  •  Building ordinance included
  •  Demolition and increased cost of construction
  •   Business income on actual loss sustained 12 or 24 months
  •  No waiting period

    Workers' Compensation Policy - In New York Only

  •  Stock company premium discount
  •  Advanced deviation
  •  25% policyholder dividend paid in each of last five years
  •  No service fee
  •  Producer deals directly with company

    Umbrella

  •  Up to $10M in limits from Admiral Indemnity Company and Clermont Insurance Company
  •  Limits of $25M, $50M, $100M and $200M are available through a third party facility.
  •  Competitive rates