Assault and Battery
Elect coverage with a $25,000 per-claim and $25,000 annual limit, including defense costs. Assault and battery is excluded when this option is declined.
Property Owners General Liability Insurance
Liability coverage for eligible apartment owners and shopping-center lessors. Defense costs count toward the policy limit.
Subject to underwriting and availability by jurisdiction. A coverage discussion does not bind insurance.
Property Owners General Liability addresses covered claims when someone outside your business is injured on your premises or alleges damage to their property. This offering is for apartment owners and shopping-center lessors. It includes covered legal defense costs, which reduce the amount of the policy limit available to pay claims.
What the Policy Covers
- Third-Party Injury Claims
- Coverage for covered bodily-injury claims from people outside your business arising from the insured premises, subject to the policy terms and exclusions.
- Third-Party Property Damage
- Protection against covered claims alleging damage to another person's property. This does not replace insurance for your own building or contents.
- Legal Defense
- Covered defense costs count toward the policy limit. For apartments, the deductible also applies to defense costs.
Optional Coverage
These options are not automatically included. Availability, limits and additional premiums depend on the selections and terms of the issued policy.
Sewer and Drain Backup Liability
Add liability coverage for covered sewer and drain backup claims, with the option priced by the number of premises.
Additional Insureds and Policy Additions
Select available no-charge additions for eligible named parties, including additional insureds, primary and non-contributory wording, and waiver of recovery rights. The selected endorsement determines the protection provided.
Who This Coverage Is For
Eligibility depends on the property, its use, location, condition and loss history. Listing a property type here is not a guarantee of acceptance.
Owners of garden-style apartment buildings
Owners of mid-rise and high-rise apartment buildings
Lessors of enclosed shopping malls
Lessors of open-air strip centers, plazas, and power centers with at least five units
Limits, Deductibles and Important Conditions
- This offering is limited to apartment owners and shopping-center lessors. It is not general small-business liability insurance or coverage for a store operator's business.
- Defense costs reduce the policy limit. They are not paid in addition to that limit.
- Shopping centers remain subject to underwriting criteria for vacancy, tenant activities, residential units, owner-operated stores, management, and tenant insurance.
- Apartment properties with a pool require pool safety photos before coverage starts.
Where Coverage Is Available
Currently available for eligible risks in the following 15 states and the District of Columbia, subject to underwriting:
- Alaska
- Alabama
- California
- Colorado
- District of Columbia
- Delaware
- Hawaii
- Illinois
- Indiana
- Minnesota
- Nebraska
- Nevada
- Pennsylvania
- South Dakota
- Wisconsin
- Wyoming
Coverage is issued by Corgi Insurance Company (NAIC 17989), an eligible non-admitted surplus lines insurer, and placed through a licensed surplus lines broker. Availability is subject to eligibility and underwriting. Coverage is subject to the issued policy's terms, conditions, limits, deductibles, and exclusions. Surplus lines taxes and applicable fees are additional to premium.
What to Prepare for a Quote
- Property address, apartment or shopping-center type, and unit count
- Occupancy, vacancy, mixed uses, and tenant activities
- Pools and other premises exposures, including required pool safety photos
- Tenant insurance requirements, certificates, and management practices
- Requested liability limits, deductible, and parties needing policy additions
FAQ
Apartment owners and shopping-center lessors can apply. Apartments may be garden-style, mid-rise, or high-rise. Shopping centers may be enclosed or open-air and must have at least five units. Other business types are outside this offering's current appetite.
Covered defense costs count toward and reduce the policy limit, leaving less available for other covered claim payments. Apartment deductibles also apply to defense costs. Consider this when choosing your limit and deductible.
Apartment occurrence limits range from $300,000 to $2 million. Shopping centers have paired occurrence and aggregate options, from $300,000/$600,000 through $5 million/$10 million. The available choices depend on the property segment.
Apartment deductibles range from $2,500 to $25,000 and apply to defense costs too. At an apartment deductible of $5,000 or more, no medical payments remain after the deductible. Shopping-center options range from no deductible to $5,000 per bodily-injury claim.
No. It is a priced option with a $25,000 per-claim and annual limit, including defense. Declining it results in an assault and battery exclusion. Review this choice alongside your property's exposures.
No. A quote is subject to eligibility, policy terms, and any requirements that must be met before binding. For example, apartment properties with pools must provide pool safety photos before coverage starts.
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