HabPro Insurance is a best-in-class Commercial Real Estate (CRE) insurance program specializing in package and mono-line property for apartments and condominiums. Built by NSM Insurance Group, the nation’s leading provider of specialty insurance programs, HabPro is available on a non-admitted basis and is focused on providing competitive coverage to the small and middle-market arena.

Trust our expert underwriting team to help you with hard-to-place habitational risks across the country!

Appetite Guide

• Built in 1980 and newer
• Property amount subject: Up to $15M max
• Non-coastal apartments and condos
• Multi-family homes
• Student housing
• PC 1-7
• Risks with less than 15% subsidized or 30% mercantile
• Available in all states, excluding Alaska, Hawaii, Florida, Louisiana and the five boroughs of New York City

Program Coverages

• Robust Property Enhancement Endorsement, which includes various sub-limit coverages
• Business Income
• Equipment Breakdown
• Ordinance & Law A, B & C (up to 10%), D
• Hired & Non-Owned Auto

Click here to view our program guide with more information

Why Work with HabPro?

• A+ rated national carrier
• Exclusive policy forms
• Competitive coverages
• Creative solutions for traditional & non-traditional accounts
• Dedicated underwriting expertise
• In-house claims team
• Superior service