Apartments / HOAs / Commercial LRO

Offering property, general liability, pollution environmental liability and umbrella coverage for apartments, HOAs, mixed-use, and commercial LRO.

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Specialty Insurance Advantage (SIA) is our insurance program designed for property owners and managers of commercial and residential real estate offering property, general liability, premises environmental liability, and umbrella coverage for apartments, HOAs, mixed used and commercial LRO. Program highlights include blanket property limits, no coinsurance (built-in coverages such as building ordinance and earthquake sprinkler leakage), and no general liability deductible. This program is managed by Specialty Programs & Facilities Manager (SPFM), an AmWINS Group company.


Target Clients

Any size account in AZ, CA, CO, NV, OR, UT and WA



  • Property
  • General Liability
  • Premises Environmental Liability
  • Umbrella


  • $750,000,000 Blanket Limits for Property, with dedicated limits for HOAs
  • $1,000,000/$2,000,000 per occurrence, per location in the aggregate for GL
  • $250,000 per loss per location/$250,000 aggregate per location with a $25 million program aggregate for premises environmental liability
  • $5,000,000 to $25,000,000 per occurrence/aggregate for umbrella

Carrier A.M. Best Rating

  • Primary Property: A++, XV
  • General Liability: A++, XV
  • Premises Environmental Liability: A+, XIV
  • Umbrella: A+, XV


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