Real Estate

We help owners manage risks and responsibilities related to commercial properties.

Protecting people and property in commercial buildings

Applied Specialty Underwriters® offers Primary and Excess Liability for habitational exposures, with a single underwriter overseeing both submissions simultaneously. The facility is offered nationwide via appointed wholesale brokers.

Coverage provided by AM Best rated ‘A-’ (Excellent) carriers, Financial Size Category XI.


The facility entertains habitational CGL and Excess Liability on the following basis:

  • Apartments

  • Commercial buildings including restaurants, retail, office and industrial space

  • Warehouses

  • Hotels

Coverage Detail

Limits Available:

  • $1M/$2M/$2M or $2M/$4M/$4M Primary CGL

  • Up to $15M in Excess Limit

Limits Structure:

  • CGL only

  • Unsupported Excess in a lead or Excess position

Submission Requirements:

  • Completed Applied Specialty Underwriters habitational supplement application or equivalent application

  • Acord Application

  • Schedule of values (SOV) or COPE in Excel document including:

    • Named insured for each property

    • Year of construction and/or renovation for each property

    • Unit count per building, per location

  • Details of the insured’s tenant vesting process for accounts larger than 5,000 units

  • Minimum of five years’ hard copy currently valued carrier loss runs (hard copy TPA loss runs required for any account previously written with a self-insured retention)

  • Minimum of five years’ historical exposure data

  • Property management agreement for any third-party managed units

  • Confirmation of the pre-approved third-party administrator including adjuster contact and contact information

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Offered through Excess & Surplus Lines only, Applied Risk Services Inc, Licenses available on request or in California through AU Insurance Services, Inc: California License Number 0D78336.

©2024 Applied Underwriters, Inc. Rated 'A-' (Excellent) by AM Best.