Habitational (General Liability)

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Available States

  • All states except AK and HI


Product Focus

  • Apartments
  • Vacant buildings, vacant land
  • Tenant-occupied dwellings
  • Residential and commercial condominium associations
  • Townhome homeowners associations
  • Warehouses
  • Lessor’s risk only (LRO) – shopping centers, office buildings


Ineligible Risks

  • Group housing, rehabilitation facilities, and assisted living facilities
  • Dormitories, fraternity, or sorority housing
  • Hunting exposures, or open water hazards
  • Warehouses that store chemical or explosive property
  • Commercial cooking with habitational
  • Cold storage warehouses
  • Open air malls
  • Hotel / motels


Coverages Available

  • General Liability
  • Cyber Liability
  • Employee Benefits Liability
  • Hired and non-owned auto Liability


Program Highlights

  • Increased General Liability limits
  • Coverage provided by a carrier with a group rating of “A” (Excellent) by AM Best
  • In-house quoting and binding authority


Contact Our Program Administrator

WKFC Underwriting Managers



Roger Shelton (roger.shelton@wkfc.com)