Habitational

Habitational

Dedicated, Property Experts to Help Clients Navigate this Challenging Environment

Habitational Insurance has become one of the most difficult insurance segments to market and place. Continued poor underwriting performance has caused many insurance companies to pull out of this area. This has resulted in reduced capacity offerings along with drastic term and rate changes. Unit fires, increased magnitude/frequency of wind/hail/wildfire events and unprecedented winter weather claims have resulted in double-digit or higher rate increases.

To meet these challenges, we established a dedicated group of property specialists who work in this segment daily. Their expertise gives our clients a partner who can help navigate this complex marketplace.

Recent Habitational Wins

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$77,900

PROPERTY OWNER WITH 50+ UNITS

$62,300

FOREIGN EMBASSY RESIDENCE

$34,000

OWNER WITH MULTIPLE APARTMENT BUILDINGS

$22,000

CONDO CORPORATION

Areas Of Specialty

  • Risks Up To 500 Total Units
  • Single or Multiple Locations
  • Buildings of any Height
  • New Ventures or Newly Constructed Properties
  • Student Housing
  • Government Assisted
  • Risks Up To 500 Total Units
  • Single or Multiple Locations
  • Buildings of any Height
  • Owned & Rented Condominium Complexes
  • Board/Rooming Houses
  • Apartment Hotels
  • Hotels
  • Motels
  • Hostels
  • Residential
  • Commercial
  • Retail
  • Commercial Property Managers
  • Residential Property Managers
  • Landlords

Available Products

  • Property Coverage
  • Liability Coverage
  • Excess General Liability or Umbrella
  • Excess Coverage
  • Builder's Risk
  • Security Services
  • Environmental Coverage
  • Errors & Omissions
  • Cyber & Privacy Liability
  • Kidnap & Ransom
  • Terrorism
  • Equipment Breakdown
  • Sewer Back-Up
  • Crime

Product Documents

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Your Local Team

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Related Intel

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Burns & Wilcox have been very responsive to our submissions and have assisted with difficult placements and found creative solutions.

-Dean M., Client, Waterdown, Ontario