Habitational (General Liability Only)

Available States

Nationwide

Product Focus

• Dwellings – occupied, vacant, or undergoing cosmetic renovations
• Small apartments up to 12 units and up to 5 stories – occupied, vacant, or undergoing cosmetic renovations
• Vacant land without any real estate development, hunting exposures, or open water hazards
• Dwellings with mercantile/office occupancies
• Mobile homes held for sale or rental
• Condominiums held for sale or rental
• Private mini-warehouses (other than not for profit)
• Student housing
• Lessor’s risk only
• Condominiums – residential (unit owner risk only)

Ineligible Risks

• Group housing, rehabilitation facilities, and assisted living facilities
• Dormitories, fraternity, or sorority housing
• Restaurants, bars, taverns, liquor stores, convenient stores, and mini-marts
• Real estate or development property
• Apartment buildings with greater than 12 units
• Condominium associations
• Commercial farming
• Storage facilities with multiple units rented out to individuals
• Warehouses used to store goods in transit that may or may not require bills of lading
• Warehouses that store chemical or explosive property
• Cold storage warehouses
• Manufacturing operations
• Open-air malls
• Structures with more than 6 stories

Coverages Available

• General Liability
• Property
• Equipment breakdown
• Excess Liability

Program Highlights

• Reporting form: one policy, one monthly bill
• Basic, broad, or special form available
• Separate wind/hail deductibles available with stop loss
• Non-admitted coverage provided by a carrier with a group rating of “A” (Excellent) by AM Best
• Ability to provide custom coverage forms to meet the needs of real estate investors
• In-house quoting and binding authority

Contact Our Program Administrator

International Excess Program Managers

800-937-3497

www.intlxs.com

Bryan Gulley (bgulley@intlxs.com)