Alishahi InsuranceIndependent Insurance Broker
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Who insures it · 2 named markets · read 2026-10-28

Who insures Habitational with losses (apartments with crime/fire)?

Habitational with losses (apartments with crime/fire) is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

2 markets publicly write Habitational with losses (apartments with crime/fire): Burns & Wilcox, Prime Insurance Company. 1 wholesaler, 1 E&S carrier. 1 through surplus lines.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

MarketWhat they say they writeWherePaperSource
Burns & Wilcox
Wholesaler		Dedicated property-only brokers for habitational including garden-style, high-rise, student and government-assisted apartments, with crime among available products; recent placements include Section 42 housing with losses and an apartment package without habitability exclusions.
“EXCESS $3M X/S $2M SECTION 42 HOUSING WITH LOSSES”		not stated (placements cited in TX and CO)not statedburnsandwilcox.com · read 2026-10-28
Prime Insurance Company
E&S carrier		Customized property and liability insurance for apartment building and multi-family owners, including those canceled, denied or non-renewed by another carrier and those with a claims history.
“Prime can write customized insurance for apartment building owners.”		all 50 statesSurplus linesprimeis.com · read 2026-10-28

No page names crime scores or prior fires as accepted conditions; the closest are 'with losses' (Burns & Wilcox), 'claims history' (Prime) and 'hard-to-place habitational' (Kinsale). Velocity Risk writes commercial habitational (middle market all 50 states) but says nothing about loss history; Distinguished, Hallmark and Lexington returned 403; Scottsdale home page 404; Colony domain is parked; Coaction DNS failed; Arch redirects to a signup page; Nautilus and Western World pages name no classes.

How Habitational with losses (apartments with crime/fire) gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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A few minutes to request the quote; it reaches the markets that take Habitational with losses (apartments with crime/fire), and the answers come back by email.

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