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Eligible classes

Serving small and middle market habitational risks nationwide

We understand the complex exposures that property owners, real estate management firms, developers and associations are up against. This expertise, coupled with our broad coverage form, enables us to help you deliver optimal habitational insurance policies to your clients.

Eligible classes

Class A & B risks

Non-admitted risks



Subsidized & LIHTC (Section 8 developments up to 15%)

Mixed-used buildings (up to 33% mercantile)

Built in 1985 or newer

Older buildings with gut rehabs

Student housing (up to 100%, not owned or operated by a college/university)

55+ independent living communities

Ineligible risks

Non-sprinklered frame buildings with 4+ stories

PC 8-10

No aluminum branch wiring allowed

Federal Pacific Stab-Lok, Zinsco and fuses are prohibited exposures

Vacant buildings

Boarding, rooming and/or halfway houses

Skilled nursing and assisted living facilities

Timeshares or condo/hotel mix


Owner-occupied dwellings

Single family dwelling schedules

Mercantile buildings (more than 33%)

We’re ready to bind your habitational risks today

Joe Mossbrook

Joe Mossbrook, Program Director

With more than 25 years of experience in the property and casualty insurance industry, Joe Mossbrook is an accomplished leader and trusted advisor in the habitational market.

[email protected]

We are here to help

Call us at 610.808.9499 or send a submission and request more information.