Highlights:

• All policies are written on A.M. Best ‘A’ XIV rated paper
• Targeted classes of business are Apartment Buildings, Condos & Coops, with or without LRO tenants
• Silent on A&B
• Silent on abuse and molestation
• First Dollar coverage
• Hired & Non-Owned Auto coverage available
• Minimum Premium – $5,000
• Targeting smaller schedules < 1,000 units – larger schedules case by case
• Student Housing – Off Campus only, not affiliated with any School or University
• Active Senior Living – No medical or social services exposure
• Pool exposures allowed providing no slides or diving boards

Limits:

• Occurrence Limit – $1,000,000
• General Aggregate Limit – $2,000,000
• Prod/Ops Agg Limit – $2,000,000
• Personal Injury/Advertising Injury Limit – $1,000,000
• Hired & Non-Owned Auto –$1,000,000
• Medical Expense Limit – $5,000
• Damage to Premises Rented To You Limit – $100,000

Out of Scope:

• Night Clubs, Social Clubs, Bars & Taverns as a LRO Tenant unless proof of insurance showing equal or greater limits with full A&B coverage obtained
• Vacant Buildings, Theaters, Hotels & Motels, Commercial Real Estate, Warehouses

Approved Territories:

• All States except for New York and California