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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.

Habitational Webinar

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

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

Featured Expert

Your Local Team

TO SEE YOUR LOCAL BURNS & WILCOX TEAM, PLEASE ENTER YOUR Address.

Vice President
Director, Commercial Insurance
Works at Toronto Office Map
Associate Director, Commercial Insurance
Atlantic Division
Works at St. John’s Office Map
Director, Construction
Works at Toronto Office Map
Product Specialist, Personal Accident
Works at Toronto Office Map

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