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Atlas General Insurance Services



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Program Details -

Habitational Program


 

Habitational Program 

  • Rating:
    • Rated 'A' (Excellent) by A.M. Best
  • States Available: 
    • AZ, CA, NM, NV
  • Program:
    • West Coast Admitted Habitational Package Program
  • Product Highlights:
    • Apartments and Condominium Association
    • Commercial Package including Property, Crime, General Liability with Hired and Non-Owned Auto
    • Monoline General Liability or Monoline Property
    • Limits:
      • Property: Up to $25,000,000 Per Location
      • General Liability: $1,000,000/$2,000,000 General Aggregate
      • Crime: Up to $100,000
    • Package and Monoline Minimum Premium: $5,000
    • 5 Year Loss History is preferred. Minimum of 3 years or combination of loss history plus COE documentation if less than 3 years loss history
    • Protection Classes: 1 – 5 Accepted, 6 & 7 referral to the carrier
    • Max Height: Over 25 Stories are referred to the carrier
    • No Broker Fee
    • No Inspection Fee
  • Age of Building Rules:
    • Roof Update Required if building over 20 years
    • Electrical: Circuit Breakers & Copper Wiring Required
    • Re-Wiring Required if Building Age is Under 1950
    • Plumbing: Update Required if Building Age is Over 1950
  • Other Details:
    • Minimum 4 Habitational Units (5 for CA) or 2+ Habitational units ground floor mercantile
    • Mercantile exposure is measured by square footage and has to be to 50% or less
    • Minimum Occupancy Rate: 85%
    • No Flood & Quake coverage offered

Locations Served : Arizona, California, New Mexico, Nevada