Habitational (General Liability Only)

frontside of a block of flats building

Available States



Product Focus

  • Dwellings – occupied, vacant, or undergoing cosmetic renovations
  • Small apartments up to 12 units and up to 5 stories – occupied, vacant, or undergoing cosmetic renovations
  • Vacant land without any real estate development, hunting exposures, or open water hazards
  • Dwellings with mercantile/office occupancies
  • Mobile homes held for sale or rental
  • Condominiums held for sale or rental
  • Private mini-warehouses (other than not for profit)
  • Student housing
  • Lessor’s risk only
  • Condominiums – residential (unit owner risk only)


Ineligible Risks

  • Group housing, rehabilitation facilities, and assisted living facilities
  • Dormitories, fraternity, or sorority housing
  • Restaurants, bars, taverns, liquor stores, convenient stores, and mini-marts
  • Real estate or development property
  • Apartment buildings with greater than 12 units
  • Condominium associations
  • Commercial farming
  • Storage facilities with multiple units rented out to individuals
  • Warehouses used to store goods in transit that may or may not require bills of lading
  • Warehouses that store chemical or explosive property
  • Cold storage warehouses
  • Manufacturing operations
  • Open-air malls
  • Structures with more than 6 stories


Coverages Available

  • General Liability
  • Property
  • Equipment breakdown
  • Excess Liability


Program Highlights

  • Reporting form: one policy, one monthly bill
  • Basic, broad, or special form available
  • Separate wind/hail deductibles available with stop loss
  • Non-admitted coverage provided by a carrier with a group rating of “A” (Excellent) by AM Best
  • Ability to provide custom coverage forms to meet the needs of real estate investors
  • In-house quoting and binding authority


Contact Our Program Administrator

International Excess Program Managers



Bryan Gulley (bgulley@intlxs.com)