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Appetite Guide

Request a Call From an Underwriting Expert

  • Up to $15MM Property TIV per location
  • Apartments, condos, student housing, independent living communities & more
  • Risks with less than 15% subsidized or 30% mercantile
  • Available in all states (excluding Alaska, Hawaii, Florida and the five boroughs of New York City)
  • A+ rated national carrier
  • Competitive coverages and policy forms
  • Creative solutions for traditional & non-traditional accounts
  • Dedicated underwriting expertise
  • In-house claims service
  • Superior service
  • Robust property enhancement endorsement, which includes various sub-limit coverages
  • Business income
  • Equipment breakdown
  • Ordinance & law (up to 10% for B & C individually or combined)
  • Hired & non-owned auto

Program Features

Key Coverages

Roll Your Book Over to the Experts in Habitational Insurance

HabPro Insurance is a best-in-class Commercial Real Estate (CRE) insurance program specializing in package and mono-line property for apartments and condominiums. Built by NSM Insurance Group, the nation’s leading provider of specialty insurance programs, HabPro is available on a non-admitted basis and is focused on providing competitive coverage to the small and middle-market arena.

The Best Home For Your Habitational Business


With 25 years of experience in the property and casualty E&S insurance industry, Joe Mossbrook is known for masterfully navigating the E&S market. He leverages the power of the entire HabPro team to find a competitive fit for every account — and is committed to doing whatever it takes to help agents get the job done.

Program Director - Joe Mossbrook