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Eligible classes

Serving non-admitted habitational risks nationwide

We understand the complex exposures that property owners, real estate management firms, developers and associations are up against. This expertise, coupled with our broad appetite, enables us to help you deliver optimal habitational insurance policies to your clients.

Specialty classes


PC 1-8


55+ independent living communities

Multi-family homes

Mixed-use buildings (up to 30% mercantile) 

Subsidized housing (up to 15%)

Student housing (up to 100%; not owned or operated by a college/university)

Ineligible risks

Risks in Alaska, Florida, Hawaii and the five boroughs of NYC

Skilled nursing and assisted living facilities

Non-sprinklered frame buildings with 4+ stories

Timeshares or condo/hotel mix

PC 9 or 10


Vacant buildings

Owner-occupied dwellings

Boarding, rooming and/or halfway houses

Mercantile buildings (more than 30%)

Buildings 35+ years old without updates (roofs within 25 years)

We’re ready to bind your habitational risks today

Joe Mossbrook

Joe Mossbrook, Program Director

With more than 25 years of experience in the property and casualty E&S insurance industry, Joe Mossbrook is an accomplished leader and trusted advisor in the habitational market.

We are here to help

Call us at 610.808.9499 or send a submission and request more information.