Phone: 888-571-6160


Insential Habitational Essentials

OverviewHabitational Solutions Image
Insential Habitational Solutions provides an easy, accessible program for all habitational exposures ranging from small, single location properties to large, multiple location properties. We can also provide solutions for varying degrees of subsidized and student housing exposures. Our focus is to accurately assess your exposures and present you with cost effective solutions to safeguard your properties.

Multiple carriers offering:

  • Admitted paper
  • Non-admitted paper

Habitational Essentials

Groups and Classes

Hotels & motels
Lessor's risk only


General liability
Workers compensation

Liability Coverages
  • Enhanced comprehensive general liability
  • Per location aggregate endorsement
  • Hired & non-owned auto liability
  • Medical payments
  • Employee benefits liability
  • Personal injury
  • Advertising injury
  • Lead paint (must qualify)
Additional Coverages
  • Umbrella liability
  • Directors & officers liability
  • Tenants discrimination
  • Property managers errors & omissions
  • Employment practices liability insurance
  • Commercial automobile
  • Workers compensation
Property Coverages
  • Real property - no coinsurance
  • Rental income
  • Building ordinance
  • Flood / earthquake
  • Equipment breakdown
  • Off premises utility failure
  • Crime
  • Accounts receivable
  • Valuable papers
  • Sewer & drain backup / underground water
  • Debris removal
  • Outdoor property

Available in all states

Download Product/Program PDF
Submission Requirements

ACORD Applications
Habitational Supplemental Application
Loss runs-minimum of 4 years preferred
Expiring program information (carrier premium, deductible, etc.)

Coverage is subject to underwriting approval and actual policy wording shall govern. Coverage may not be available in all states