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SES Insurance Brokerage Services, Inc.

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Program Details -

Habitational Insurance


SES Insurance Brokerage Services, Inc. has available a flexible real estate portfolio insurance product that can handle both 1-4 unit dwellings and small apartments. As many real estate investors are looking to pair small residential with small apartments SES has a solution in hand that will allow all the different properties an investor owns to be covered under a single master policy. Please note that the SES program is not looking for the giant habitational opportunities with hundreds of units per location. The apartments that fit are generally from 5-30 units.

Coverage Offering:


Limits can vary per policy – generally offered limits are as follows:

  • $2,000,000 general aggregate
  • $1,000,000 per occurrence
  • $100,000 any one fire
  • $5,000 med pay per person

Excluded Causes of Loss

  • General pollution, war, nuclear, etc. exclusions are present and can vary per policy


  • Range from $0 to $10,000 per occurrence – SES pushes for a $0.00 deductible with each policy

Excess Coverage

  • Excess limits range from $1,000,000 to $25,000,000 with potential for limits up to $100,000,000
  • Coverage most often for strict excess commercial general liability

Basic Coverage Summary

  • ISO based Commercial General Liability coverage/forms


Property Types

  • 1-4 unit dwellings
  • Small apartments (with pre determined allowable max TIV)


  • $500,000 per location up to $15,000,000 per location
  • Coverage is ultimately for the value stated for each property

Replacement Cost Valuation

  • For single family residential properties (1-4 unit) SES is looking for a value of $75 per sqft.


  • Range from $1,000 to $25,000 per location, per occurrence
  • Separate deductibles for wind/hail, named storm, EQ, Flood, etc.

Basic Coverage Summary

  • Special Causes of Loss (ISO based forms widely used)
  • Earthquake – if requested
  • Flood – if requested
  • Named Storm
    • When part of primary package policy and not on a separate DIC cover, EQ, Flood, and Named Storm will have separate, higher deductibles and often capped losses
  • Builder’s Risk for homes under renovation – not new construction (additional)
  • Business Personal Property (can be included)
  • Business Income (coverage for loss of rents can be included)

Excluded Causes of Loss

  • Excluded causes of loss can differ from portfolio to portfolio and will be at the discretion of the underwriter

Locations Served : Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Washington,D.C., Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia, Wyoming