Apartment Complexes

Apartment complexes provide housing to individuals who pay rent to the building owners. Amenities vary and can include community centers, golf courses, exercise facilities, and other activities. The types of structures vary, ranging from multi-unit single story frame dwellings to high-rise, sprinklered, fire resistive buildings.


Appraisers provide objective and unbiased estimates of the value of certain property. Many specialize in specific types of property, such as real property, jewelry, antiques, or fine arts. This coverage protects individual appraisers or appraisal firms against claims that allege negligence or bias in preparing appraisals.

Green Building–Personal

Home owners who explore alternative energy sources (such as solar, geothermal, or wind) will need to explore special endorsements to cover these additions in their insurance programs.

Halfway Houses

Nonprofit agencies or community service organizations usually operate halfway houses. Both property and general liability coverage is available. Examples of such houses include drug and alcohol rehabilitation facilities; battered women and abused children shelters; and homes for mentally handicapped adults. Professional liability coverage is also available. Halfway houses for paroled ex-criminal offenders are very difficult to place.

Bed and Breakfasts and Country Inns

Bed and breakfast inns are homes to their owners and lodging for paying guests. They are popular with tourists who want something different than what is available in regular hotels or motels.

Home-sharing Homeowners

Many homeowners are supplementing income by renting out all or portions of their homes on a temporary basis through online networks. Many homeowners insurance carriers are unwilling to accept this added exposure.


A condominium association is a legal entity made up of individual unit-owners who own their individual living spaces but who jointly share ownership and responsibility for maintenance and upkeep of common areas. Condominiums can present unusual and sometimes complex insurance problems with respect to property, liability, crime, and workers compensation coverages for the condominium buildings and operations.

Assisted Living Facilities

Assisted living facilities serve elderly and disabled individuals who can care for themselves but need one or more types of personal assistance. Residents usually do not require daily medical care but may need assistance in personal hygiene, proper nutrition, housekeeping, and medication management. Policies cover a wide range of homes, including those that cater to people in the early stages … Read More

Senior Living & Housing

This program is available for habitational buildings and housing complexes that cater to senior citizens. Eligibility extends to assisted living and subsidized properties, such as HUD and HFA. Coverages available include property, commercial general liability, crime, workers compensation, hired and non-owned auto, and incidental auto exposures. Other coverages that may be provided include directors and officers, professional liability, equipment breakdown, … Read More