Preferred Property Program

Office Hours

Please note that all of our offices will close at 1 p.m. local time on Friday, May 24, 2019, and will remain closed until Tuesday, May 28, 2019, in observance of the Memorial Day holiday.

If you have any special service needs that must be accomplished by Friday, May 24, please let us know so that we may service those needs as a high priority for you.

Apartment Complexes

Risk Purchasing Group & Umbrella Liability Products
(for Apartment Complexes)

ApartmentComplexWe offer a product for apartment complexes only. We offer limits of $5,000,000, $10,000,000, $15,000,000, $25,000,000 & $50,000,000 written through AXA XL company and Chubb Group of Insurance Companies (for the $25ML excess $25ML layer). Most Garden style apartment complexes and high-rise complexes will qualify to join our membership program.

Underlying Insurance Requirements:
Best's Rating A-VII or better

General Liability: $1,000,000 Per Occurrence
$1,000,000 Personal & Advertising Injury
$1,000,000 Products/Completed Operations/Aggregate
$2,000,000 General Aggregate Per Location
$1,000,000 Liquor Law (where applicable)
$1,000,000 Employee Benefit Liability
Automobile: $1,000,000 Auto Liability BI/PD Combined Single Limit for all autos
Employers Liability: All States
$500,000 Each Accident
$500,000 Each Disease/Employee
$500,000 Each Disease/Policy Limit
Employee Benefit Liability: $1,000,0000 Per Occurrence and Aggregate

Program Highlights

  • Following Form Named Insured
  • Following Form General Liability
  • Following Form Liquor Liability
  • Following Form Automobile
  • Following Form Employers Liability
  • Absolute Pollution Exclusion
  • Following Form Employee Benefits Liability
  • Following Form Personal Injury
  • Following Form Aggregate Per Location
  • NJ State Amendatory
  • $10,000 Coverage B Self Insured Retention (for NY only)
  • Certified Act of Terrorism Retained Amount Provisions -Coverage U
  • Disclosure of Terrorism



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