HABITATIONAL RISK UNIT

Insurexchange advises clients of multifamily buildings, apartments, condo/hotels, adult congregant living facilities (ACLF), condominium associations, homeowners associations and other related habitational properties. Our expertise lies in developing risk management strategies that reduce risk resulting in the most competitive insurance solutions and operational efficiencies.

We have been providing independent risk management advice and insurance brokerage since 1996 serving clients nationally.  

Habitational entities require the insurance expertise to understand the needs of  property owners, general partners, limited partners, LLC's, management companies, lenders, associations, developers all the while working on topics including affordable housing, tax credits, HUD, rural development, etc...

Habitational entities require insurance professionals to be skillful in the structuring of their insurance coverage including evaluating alternative risk transfer solutions. Coverage will include property, workers compensation, liability, surety bonds, crime & fidelity bonds, automobile, directors & officers liability and employment practices liability. 

Often lenders and/or rating agencies like Standard & Poor's will require coverage for inherent defects and force majeure events.  Our experts have worked directly with S&P (NY) and understand the importance of these coverage's to the lending and rating community.