Apartments

U.S. Insurance Services Apartment Package is insurance uniquely designed to fulfill a wide range of special insurance needs for the Apartment sector. Each policy is custom tailored to address each insured's unique exposures. Coverage Features General Liability     * Comprehensive General Liability - Limits to $3,000,000     * Employee Benefits Liability     * Umbrella Limits – up to $15,000,000     * Liability for common areas includes swimming pools, tennis courts, lakes, playground equipment, etc. Bell Endorsement     * Includes coverage’s for Identity Theft Expense, Terrorism Travel Reimbursement, Emergency Real Estate Consulting Fee, Temporary Meeting Space Reimbursement, Workplace Violence Counseling, Kidnap Expense, Key Individual Replacement Expenses, Image Restoration and Counseling, Donation Assurance, and Business Travel Crime     * Employee Theft     * Theft, Disappearance and destruction of client property Acceptable Exposures     * Apartments built in 1980 or newer     * Frame construction under 24 units per building     * Fitness centers and swimming pools Property     * Blanket limits with large in-house capacity     * Special causes of loss on building, contents, loss of income and extra expense     * Agreed Amount Endorsement available with property appraisal     * Definition of building includes pools, walkways and fences Documents Required for Proposal     * Residential Supplemental Application     * Color Photograph(s) of representative buildings and auxiliary buildings     * Current +3 years presently valued company loss runs for accounts that generate up to $100,000 in premium.     * Current +4 years presently valued company loss runs for accounts that generate over $100,000 in premium.     * Plot Plan     * Latest Budget or Financial Statement Automobile     * Owned automobile exposures     * Non-owned automobile exposures     * Garage Liability and Garage Keepers Legal Liability available     * Web-based Auto ID Card issuance Online Defensive Driving Workshop            Call 1-800-874-1738 x201