We offer a product for apartment complexes only. We offer limits of $5,000,000, $10,000,000, $15,000,000, $25,000,000 & $50,000,000 written through AXA XL company and Chubb Group of Insurance Companies (for the $25ML excess $25ML layer). Most Garden style apartment complexes and high-rise complexes will qualify to join our membership program.

Underlying Insurance Requirements:

Best’s Rating A-VII or better

General Liability:
$1,000,000 Per Occurrence
$1,000,000 Personal & Advertising Injury
$1,000,000 Products/Completed Operations/Aggregate
$2,000,000 General Aggregate Per Location
$1,000,000 Liquor Law (where applicable)
$1,000,000 Employee Benefit Liability
$1,000,000 Auto Liability BI/PD Combined Single Limit for all autos
Employers Liability:
All States
$500,000 Each Accident
$500,000 Each Disease/Employee
$500,000 Each Disease/Policy Limit
Employee Benefit Liability:
$1,000,0000 Per Occurrence and Aggregate

Program Highlights:

  • Following Form Named Insured
  • Following Form General Liability
  • Following Form Liquor Liability
  • Following Form Automobile
  • Following Form Employers Liability
  • Absolute Pollution Exclusion
  • Following Form Employee Benefits Liability
  • Following Form Personal Injury
  • Following Form Aggregate Per Location
  • NJ State Amendatory
  • $10,000 Coverage B Self Insured Retention (for NY only)
  • Certified Act of Terrorism Retained Amount Provisions -Coverage U
  • Disclosure of Terrorism
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