Commercial property specialty insurance
Habitational or commercial.
When the property doesn’t fit in the standard market, we cover it.
Properties built pre-2000. Frame exterior. Non-sprinklered. Or other risks that may be hard to place.
Risks we write
Multifamily apartments
Condo or HOA
High rise buildings
Commercial units
Strip malls
Office buildings
Enhancements we include
Not just a considerable risk appetite
Broad peril coverage included in your policy
We’ll help you manage property risk efficiently to prevent loss and reduce claims.
But when things happen, you’ll be covered like you never were.
- $500 million blanket limit
Per occurrence - No co-insurance
- $10 million Flood sublimit
in Non-critical Flood Zones - $25 million Earthquake sublimit
- Sprinkler leakage (EQSL)
- Terrorism coverage
- Boiler & machinery coverage
- Ordinance or Law
- Eligible
- Eligible in certain areas, check with underwriting
- Ineligible
Deals we’ve won
Featured commercial policies recently written
$48,955,588 of TIV in Topeka, KS
Spread of 2 garden style apartment complexes
Multi-family units
2 locations.
Built in 1975, frame exterior
Bonus coverage:
Full Replacement Cost Inclusive of Wind Hail Coverage
$19,897,625 of TIV in Placentia, CA
176 Unit Apartment Building
Multi-family units
1 location.
Built in 2000, frame exterior
Bonus coverage:
Wildfire Coverage included in All-Risk Coverage
$23,684,016 of TIV in Newport, KY
14 Building Apartment Complex
Multi-family units
1 location.
Built in 1964, frame/brick veneer exterior
Bonus coverage:
$100M Boiler & Machinery Coverage
How we compare
AIU vs. standard commercial property policies
Coverage Highlights:
Property Coverage
AIU Coverage:
Standard Coverage:
| Property | Blanket coverage, full replacement cost | Actual Cash Value or Replacement Cost up to specified limit depending on form |
| Coinsurance Requirement | No coinsurance | 80%, 90%, or 100% depending on form |
| Extended Period of Indemnity | 180 Days | 30 Days |
| Flood/Earthquake coverage | Included in most areas | Excluded |
| Fire Fighting Materials or Expenses | $100,000 | $1,000 |
| Off Premises Services Interruption | $100,000 | Excluded |
| Water Damage (Back Up of Sewers or Drains) | $100,000 | Excluded |
| Ordinance or law coverage | Rich coverage limits for A, B, and C are included | Limited Coverage |
Will we insure your risk?
In under 5 minutes, you’ll get an answer and an indication
