Broad coverage for hard-to-place risk.
Win more business with superior coverage and competitive rates for commercial property and specialty risks.
- $500M blanket limits and enhanced coverage
- Strategically lowered premiums with emphasis on risk management
- Rapid turnaround — as soon as 24 hours
Partnering with
30+ A rated domestic & international carriers to bring you better coverage.
The AIU Solution
See how AIU’s forward-thinking approach helps our agency partners navigate a hard market.
This policy won’t fit into a box
Older frame exterior? Non-sprinklered property? Higher property value?
Get a competitive policy
that covers what most standard policies don’t.
Commercial Property
Apartments, condos, HOAs, and other multi-family units with frame exteriors, or other risk factors
$5M minimum per location
Limits:
Up to $500M per occurrence
Includes:
Ordinance of Law, Sewer backup, Flood & Earthquake protection in most locations, equipment breakdown and more
Hospitality Property
Well-managed hotels and motels with frame exteriors or other risk factors
$3M minimum per location
Limits:
Up to $500M per occurrence
Includes:
Ordinance of Law, Sewer backup, Flood & Earthquake protection in most locations, equipment breakdown and more
Healthcare Property
Healthcare facilities, assisted living, skilled care facilities, and rehab centers with frame exteriors, or other risk factors
$3M minimum per location
Limits:
Up to $500M per occurrence
Includes:
Ordinance of Law, Sewer backup, Flood & Earthquake protection in most locations, equipment breakdown and more
Approved by all major lenders
Not just broader coverage and richer limits.
Ridiculously fast service.
Rapid responses
Our underwriting team is in-house, so you get instant answers about eligibility, coverage rates and terms.
Bind in 24 hours
Our typical turnaround time is rapid — as soon as 24 hours. Emergency? Our in-house team of specialists can review & bind that same day.
Easy renewals
No need to track, request, follow up, or even resubmit paperwork. Just sign two documents, and you’re done.
Risk management & claim reduction
Reduce claims with an efficient risk management program that helps limit losses.
Fast, fair claim settlements
Our top-rated claims partner makes it easy to file claims, adjusts fairly and settles quickly.
What our clients say
“Without AIU, I’d be 30-40 hotels less than I am now.”
“Without AIU, I’d be 30-40 hotels less than I am now”
AIU is like the cadillac of insurance coverages. They’re great at service — very responsive and extremely quick to turn around quotes. I once went to them in a pinch, I needed stuff rather quickly, and they delivered on it.
They also offer spectacular coverage. I don’t have to worry that anything I need may not be covered. When we had our first claim it was handled incredibly. It took a little while, but they were really fair. So if you do have a claim, they take care of you.
Mac Howey
Business Insurance Agent, Howey & Associates
Our process
From “I need a quote”
to “we’re covered”
2
Get an instant quote
Within 5 minutes
We’ll let you know instantly what your indication looks like.
3
Review and bind
Within 2 weeks or faster
We review your risk and send you your ready-to-bind proposal with terms, extra coverage options and premium rate.
Bind challenging opportunities and expand to new markets
When a risk doesn’t qualify for a standard policy, place it easily — and get enhanced coverage & competitive rates.
$500M blanket limits & all-inclusive coverage (flood, earthquake, violent attack & more)
