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Habitational Property Program

WestPac/Virtus Roadshow
 
In 2019, our WestPac/Virtus marketing team is hitting the road as we look to grow new relationships and expand our geographical reach. 
 
We're targeting Idaho, Arizona, Nevada and Kansas & Missouri. Look to hear from Alexandra or Steve as they are in your area, or reach out to them for an appointment!
 
Upcoming Trips

Kansas City - 6/25 - 6/27
Idaho- 8/11 - 8/14
Phoenix - 8/21 - 8/24
Nevada - TBD

Overview
Habitational
  • Apartments and condominiums
  • Section 8/HUD/Student Housing
  • Admitted paper depending on size and quality of the property
  • Max Policy Capacity - $75M
  • Up to $25M per location
  • Property deductibles as low as $2,500
  • Assault and Battery Sublimit
  • $250,000 (excluded for Student Housing)
Vacant Buildings
  • Can write 3, 6, 9, or 12 month term
  • Minimum Premium $1,000
  • Completely vacant, partially vacant, commercial and residential vacant considered
  • No restriction of vacancy length  
  • Package GL and Property or monoline basis
  • Minimal renovation can be considered
  • Special Cause of Loss can be considered with;
    • Year of construction
    • Updates to roofing with 10 years
    • Updates to heating, plumbing, heating within 25 years
Vacant Land
  • General Liability limits up to $1M/$3M
  • Minimum premium $1,000
  • Can write 3, 6, 9, or 12 month term
  • No restriction of vacancy length  
  • Minimal Lakes and ponds can be considered
  • Up to 1,000 acres per location
Lessor's Risk
  • In-house authority and standard markets available depending on occupancy
  • Standard markets available depending on occupancy
Builder's Risk
  • Tailor-made policies for each risk's specific demands: new construction, renovations, or prior-start projects
Inland Marine 
  • Contractor's Equipment
  • Installation Floaters
  • Ocean Marine
Hotel/Motel
  • Max Policy Capacity - $25M
  • Up to $7.5M per location 
  • Property deductibles as low as $2,500
  • Assault and Battery Sublimit: $1M
  Others Including:
  • Shopping centers, industrial occupancies, old and historical properties considered

Program Highlights
  • Residential, commercial, and infrastructure projects accepted - all construction types
  • New construction, renovations, and projects already underway
  • High Protection classes accepted
  • Highly competitive rates for frame construction and high value buildings
  • Flexible policy periods 
  • Mixed Use Exposure
  • Hired and Non-Owned Auto Liability

Contact Us
To download an application, click here
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