Office Buildings and Apartment Buildings Insurance      
  • GET A QUOTE: Call Toll Free (800) 707-4690
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    Office Building Insurance / Apartment Building Insurance

    Travelers Apartment Businessowners Policy offers an affordable way for you to obtain Property and Liability insurance. This policy includes key coverages that are important to any business, and also offers additional business-specific options that are important for any apartment owner.

    Property Highlights

    Property Coverage covers your Building and Business Personal Property for replacement cost with no coinsurance.
    • Appurtenant Buildings and Structures:

    - Coverage for Appurtenant Buildings and Structures is included up to $50,000.
    • Building Glass:

    - Coverage for Building Glass is included, with several deductible options available.
    • Business Income and Extra Expense:

    Covers income that is lost due to suspended operations caused by damage at the described premises from a covered cause of loss. This is an optional coverage for Pac PlusSM.
    - Apartment PacSM

    • Automatically included and includes rental value.
    • Included on an Actual Loss Sustained basis for up to 12 consecutive months.
    • Coverage may also be written on a policy or location level basis for any dollar limit without the 12-month limitation.
    - Apartment Pac PlusSM

    • Optional.
    • When selected, the coverage may be written with a policy or location level dollar limit. The dollar limit is based on 80 percent of annual rents and may be modified.
    • Business Personal Property Off Premises:

    - Coverage for Business Personal Property Off Premises is provided, including while in transit or temporarily away from the scheduled premises and at a premises you do not own, lease or operate; or at any fair, trade show, or exhibition.
    • Employee Dishonesty:

    - Coverage is included up to $25,000 (with an option to cover property managers as employees). Limit may be increased.
    • Equipment Breakdown:

    - Coverage for Equipment Breakdown is included within applicable limits.
    - Diagnostic equipment, power-generating equipment, and production equipment are limited to $100,000 for direct damage. Limit may
    be increased.
    - Service interruption of water, communication, or power supply services is covered from a covered breakdown (when Business Income and Extra Expense is covered).
    • Newly Acquired or Constructed Buildings:

    - Coverage is provided for Newly Acquired or Constructed Buildings up to
    $500,000 for up to 180 days.


    • Ordinance or Law Coverage:

    - Coverage is included for a combined limit of $25,000 at each described premises. Limit may be increased.
    • Outdoor Trees, Shrubs and Plants:

    - Coverage for Outdoor Trees, Shrubs and Plants is provided for all covered causes of loss up to $3,000. Limit may be increased.
    • Signs:

    - Coverage for Signs within 1,000 feet is included within the Building limit when building coverage is written.
    • These items are considered part of Building coverage:

    - Alarm systems;
    - Appliances used for refrigeration, ventilating, cooking, dishwashing or laundering;
    - Fences;
    - Fire extinguishing equipment;
    - Floor coverings;
    - Lawn maintenance and snow removal equipment;
    - Lobby and hallway furnishings;
    - Outdoor furniture;
    - Outdoor swimming pools; and
    - Retaining walls

    General Liability Highlights

    General Liability Coverage protects you against claims for damages because of bodily injury or property damage to others resulting from your business operations.
    • General Liability Limits of $1 million per occurrence / $2 million aggregate are standard for Apartment Pac and Apartment Pac Plus with an option for higher limits of $2 million per occurrence / $4 million aggregate available for Apartment Pac.
    • Advertising Injury and Personal Injury.
    • Medical Payments for $5,000 per person.
    • Damage to Premises Rented to You is included up to $300,000. Limit may be increased.
    • Blanket Contractual for all insured contracts.
    • Host liquor liability.
    • Limited worldwide coverage.
    • Products/Completed Operations coverage is included. (May be excluded on Apartment Pac Plus).
    • Web XTEND® endorsement is automatically provided for most Apartments.
    Coverage includes personal injury, advertising injury and worldwide Web site injury protection (some restrictions apply).


    Popular Options for Apartme

    Power PacSM property coverage endorsement – enhances coverage in 20 key areas. See chart on next page for more details.
    • Building Owners Endorsement – enhances coverage in key areas for your owned buildings:
    - Debris Removal limit increased from $25,000 to $50,000.
    - Lessor’s Leasehold Interest coverage is added for up to $25,000.
    - Tenant Move Back Expenses coverage is added for up to $25,000.
    - Utility Services - Direct Damage coverage is added for up to $10,000.
    - Ordinance or Law - Increased Period of Restoration limit is increased by $50,000.


    • Other Options Available:
    - Higher limits for most individual coverage extensions.
    - ERISA Welfare and Pension.
    - Water or Sewer Back up and Sump Overflow.
    - Hired and Non-owned Auto Liability.
    • XTEND Endorsement® for liability coverage enhancement – It provides 15 extensions of coverage including:
    - Broadened Named Insured.
    - Blanket Additional Insured – Managers or Lessors of Premises or Leased Equipment.

     

  • GET A QUOTE: Call Toll Free (800) 707-4690
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    We write insurance policies through the following insurance companies in Los Angeles, Beverly Hills, Santa Monica, West Hollywood, Hollywood, Malibu, Bel Air, West Los Angeles, Westwood.:

     

    ACE Insurance
    ACE PRIVATE RISK SERVICES Insurance
    AIG Insurance
    AMERICAN CONTRACTORS IND Insurance
    AMERICAN STRATEGIC Insurance
    AMTRUST Insurance
    AMWINS Insurance
    ANDERSON & MURISON Insurance
    APPALACHIAN UND Insurance
    APPLIED UNDERWRITERS Insurance
    ARROWHEAD Insurance
    ATLAS Insurance
    BBSI Insurance
    BERKSHIRE HATHAWAY HOMESTATE Insurance
    BROWN & RIDING Insurance
    BUILDERS & TRADESMAN Insurance
    BURNS & WILCOX Insurance
    CALIFORNIA MUTUAL Insurance
    CBIC Insurance
    CENTURY NATIONAL Insurance
    CHARITY FIRST Insurance
    CHARTIS Insurance
    CHUBB Insurance
    CNA Insurance
    CNA SERVICE CENTER Insurance
    CNA - WESTERN SURETY Insurance
    CNA PRO Insurance
    COMMERCE WEST Insurance
    COMPWEST Insurance
    CSE Insurance
    DEANS & HOMER Insurance
    DONGBU INS CO Insurance
    EMC Insurance
    EMPLOYERS COMPENSATION Insurance
    EXPLORER Insurance
    FIDELITY & DEPOSIT Insurance
    FIREMANS FUND Insurance
    FIRST AMERICAN SPECIALTY Insurance
    FIRST COMP Insurance
    FOREMOST SPECIALTY Insurance
    FOREMOST AUTO Insurance
    FOREMOST BUSINESS Insurance
    GEOVERA Insurance
    GREAT AMERICAN Insurance
    GUARD INS CO Insurance
    HAGERTY Insurance
    HANOVER Insurance
    HARTFORD COMMERCIAL Insurance

    HARTFORD Insurance
    HARTFORD PERSONAL LINES Insurance
    HCC SPECIALTY Insurance
    HCC SURETY Insurance
    ICAT MANAGERS Insurance
    ICW Insurance
    INFINITY Insurance
    INSCO DICO Insurance
    K & K INSURANCE
    KEMPER PREFERRED Insurance
    KEMPER SPECIALTY Insurance
    LIBERTY MUTUAL Insurance
    LIBERTY MUTUAL SURETY Insurance
    LIG - Leading Ins Co Insurance
    MARKEL Insurance
    MCGRAW Insurance
    MEERCURY Insurance
    METLIFE Insurance
    MEXIPASS Insurance
    MIDWEST Insurance
    MJ HALL Insurance
    NATIONAL GENERAL
    NATIONWIDE LIFE Insurance
    NATIONWIDE Insurance
    NON PROFITS INS ALLIANCE Insurance
    ONE BEACON Insurance
    OLD REPUBLIC Insurance
    OREGON MUTUAL Insurance
    PACIFIC COMPENSATION Insurance
    PACIFIC GATEWAY Insurance
    PHILADELPHIA Insurance
    PREFERRED EMPLOYERS Insurance
    PROGRESSIVE Insurance
    RCA INSURANCE Insurance
    REPUBLIC INDEMNITY Insurance
    RLI SURETY Insurance
    RYAN SPECIALTY GROUP Insurance
    SAFECO Insurance
    STAR SURETY Insurance
    SELECTIVE FLOOD Insurance
    STILLWATER Insurance
    SUREPRODUCTS Insurance
    SURETY CO OF THE PACIFIC Insurance
    SURTEC INS CO Insurance
    TRANSGUARD INS CO Insurance
    TRAVELERS Insurance
    TRAVELERS COMMERCIAL SERVICE CENTER Insurance
    UCA Insurance
    ULICO Insurance
    UNITED FIRE Insurance
    UNITRIN/FINANCIAL INDEMNITY Insurance
    US ASSURE Insurance
    US RISK Insurance
    VICTORIA INS Insurance
    WRIGHT FLOOD Insurance
    ZENITH Insurance

     

     

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