Multi-Family Housing2026-02-11T22:22:42+00:00
Specializing in

Multi-Family Housing

The multifamily industry is facing rising insurance costs and growing uncertainty. At INSURICA, we take a consultative approach to risk management – helping you navigate today’s volatile market and combat rising costs.

A Holistic Approach To Risk Management

Just like you, our goal is to prevent issues before they become problems. We do this by listening, observing and interacting with property owners and managers, as well as developers. We also analyze your current operations and past claims in order to uncover correctable trends. It all adds up to a comprehensive plan designed to help our clients prevent or reduce risk that may result in a claim or lawsuit.

We work to create customized risk management plans with Retailers, Real Estate Owners and Managers, Developers, Manufacturers, Construction and Wholesalers and Distributors.

Resources

  • Risk Management – Our in-depth understanding of your business allows us to uncover often unseen risks and opportunities that can dramatically lower your exposure and costs.  Quite literally, we dig deeper to help you identify your exposure and efficiently minimize your risks through proven loss prevention and loss reduction techniques.

  • Employee Benefits -Recruiting and retaining the best and brightest is critical to your long-term success. At INSURICA, our Employee Benefits Experts can help you develop and implement a benefits program designed to motivate your employees while minimizing your cost.

  • Global Reach – We are proud to be an Assurex Global Partner. Assurex Global is the world’s largest privately-held risk management and commercial insurance brokerage group.

  • Alternate Risk – Self insurance, large deductible plans, captive insurance…Our programs are tailored to fit your specific needs.

  • Claims – We define claims management a little differently. We view our role as “a partner in your company’s profitability.”

  • Loss Control – Loss control has become one of the most important elements of your business’s insurance program.

Tenant Property Protection Plan

Add an Extra Layer of Protection

The Tenant Property Protection Plan is an inland marine policy where the owner/manager is issued the master policy with 100% coverage for occupied and unoccupied units. The owner/manager becomes the first named insured and now can offer protection to all its residents providing a low cost more comprehensive coverage plan for both parties, creating a win-win.

Owner Benefits

Coverage that mitigates the owner/manager’s risk on claims that fall under the deductible of their master policy.

  • An efficient transaction structure where benefits for a covered loss are paid directly to the apartment resident and/or owner/property manager.
  • Cost of policy coverage is passed to the tenant with a lease addendum creating a potential revenue source.
  • Insures that property owner is a named insured under the tenant liability policy.
  • Real time tracking component is offered with this product.
  • Great for student housing and communities with associated short term leases.
  • Potential underwriting profit via Captive Endorsement and exclusion added as needed.
  • Tailor-made policy with add on options
  • Ability to offer tenants separate property and limited liability coverage.

Tenant Benefits

• No hassle sign up
• Personal property coverage
• Expedited pay out of claims
• Bolt on policy – use with other policies
• Small deductible
• Separate limits of property/liability coverage

Specialized Coverages for Your Operations

  • Tenant Property Protection Plan

  • Natural Disasters

  • Active Shooter/Terrorism

  • Professional and General Liability Insurance

  • Property

  • Supply Chain Disruption

Multi-Family Industry Experts

INSURICA’s Multi-Family Housing Experts can help your business stay strong by avoiding risk before it becomes liability. Our dedicated team brings years of practical experience and cost-saving insight to nearly every area of the housing industry.

Robert McKnight

Client Executive

Scott Newell

Risk Consultant

Find Out More About Our Services and Capabilities

We are here to answer any questions you may have and look forward to hearing from you.

Latest News

Today’s insurance programs must take into account the unique challenges faced by each client. In addition to a strong coverage program, some businesses may need advanced services. INSURICA has the additional Client Services required by complex business operations.

Commercial General Liability Insurance

January 9th, 2026|Blog, Risk Management, Trending|

Running a business comes with significant risk. Everyday interactions, such as serving customers, visiting clients or running marketing campaigns, can expose businesses to potential liability. A customer could slip on a wet floor, a contractor could accidentally damage a client’s property, or a marketing campaign could unintentionally harm the reputation of a competitor. Just one single liability incident can trigger an expensive lawsuit and have far-reaching consequences. Beyond potential settlement costs, legal defense costs—even if claims are found to be baseless—can quickly escalate into tens or hundreds of thousands of dollars. Furthermore, litigation can disrupt operations and undermine customer and stakeholder trust.

Comments Off on Commercial General Liability Insurance

Supporting Employee Mental Health During Challenging or Traumatic Times

January 3rd, 2026|Blog, Risk Management, Trending|

During challenging times or traumatic events, organizations can do a lot to support employees. NAMI encourages people to bring their whole selves to work, which includes their mental health. As employers, it’s important to acknowledge what’s happening outside of the workplace, its potential impact on employee wellness, and support employees so that they can continue to do their best work.

Comments Off on Supporting Employee Mental Health During Challenging or Traumatic Times
Go to Top