From apartment complexes to commercial real estate, we've got you covered.

Meeting the unique risk exposures of apartment complexes and other large-scale communities can be challenging. That's why Specialty Programs & Facilities Managers developed Specialty Insurance Advantage, Inc. (SIA), an insurance program designed specifically to serve this niche market, protecting your insureds every step of the way. We understand the complexities of apartments, HOA and commercial LRO risk management and have exclusive access to programs and resources that serve up solutions.

Specialty Insurance Advantage is tailored specifically to property owners and managers of commercial and residential real estate and has earned a reputation for delivering expertise and value-added services to clients in need of  property, general liability, and premises environmental liability coverage.

Target Classes of Business

Property owners and managers of commercial real estate, including:

• Apartments
• HOAs
• Mixed-use
• Commercial LRO

Program Highlights

• Blanket property limits
• No coinsurance (built-in coverages such as building ordinance and earthquake sprinkler leakage)
• General liability first dollar coverage (no deductible) for all claims, EXCEPT $25,000 Habitational deductible per person - please refer to our brochure for additional program information

Coverages

• Property
• General Liability
• Premises Environmental Liability

Submission Requirements

• Five-year loss history running 50% or less
• Risks with water damage claims subject to underwriting review