Hedge / Appetite / Apartment buildings & multi-family
● In current Hedge appetite / P&C

Apartment buildings & multi-family.

Apartment buildings & multi-family is in Hedge's current published wholesale appetite for licensed retail insurance brokers. Frame and joisted masonry up to 4 stories. 10-250 units. Updated roofs win. Published target coverage includes Commercial Property with a published target of $50M TIV / loc, General Liability with a published target of $1M / $2M, and EPL (HR-1 form) with a published target of $1M agg. Hedge confirms current fit, the permitted submission route, and available terms after reviewing the account.

NAICS   531110 · 531311 · 531312
Also known as   habitational, apartments, multifamily, tenant-occupied, rentals, MDU, 1-4 unit
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Coverage

Published target coverage.

These are starting-point lines and limits for a apartment buildings & multi-family submission. Hedge confirms current fit, route, and available terms after account review.

Commercial Property $50M TIV / loc Commercial Property wholesale → General Liability $1M / $2M General Liability wholesale → EPL (HR-1 form) $1M agg EPL (HR-1 form) wholesale →
Class details

Review coverage and submission requirements.

Choose a coverage guide for line-specific details or open the submission guide for the first-packet checklist.

$50M TIV / loc Commercial Property for apartment buildings & multi-family Coverage context, underwriting facts, forms, and preparation guidance. $1M / $2M General Liability for apartment buildings & multi-family Coverage context, underwriting facts, forms, and preparation guidance. $1M agg Employment Practices for apartment buildings & multi-family Coverage context, underwriting facts, forms, and preparation guidance.
Submission preparation
What to submit for apartment buildings & multi-family
Open class checklist →
Sweet spot

Stronger starting profile.

This profile is the strongest starting point. Hedge confirms current market fit and route after reviewing the account.

01 10-200 units, pitched roof, frame or JM
02 Roof replaced in last 15 years
03 Updated plumbing + electrical
04 Owner-occupied management
Submission

What we need for placement review.

Including these items reduces back-and-forth. Additional underwriting information may be required.

  • 015-year loss runs, all property + GL
  • 02Statement of values with construction class
  • 03Roof age & last replacement date
  • 04Wiring (knob-and-tube? aluminum?)
  • 05Plumbing material & last update
  • 06Section 8 / HUD percentage if any
State nuance

State-specific differences.

For these states, the verdict, the limits, or the subjectivities shift. Open the state page for the full picture.

Apartment buildings & multi-family in California
CA · Review case by case
Wildfire score reviewed individually. Avoid 7+/10 unless built post-2010 with defensible space.
Apartment buildings & multi-family in Florida
FL · Review case by case
Wind deductible 3-5% standard. Miami-Dade/Broward referred.
Apartment buildings & multi-family in Texas
TX · Review case by case
Coastal tier-1 referred individually.
Apartment buildings & multi-family in Louisiana
LA · Review case by case
Wind deductible required.
Related

Related classes.

Often relevant to a submission in this class.

P&C Single-family & 1-4 unit landlord P&C Auto repair shops P&C Churches & religious institutions P&C Course of construction
FAQ

Common questions.

Does Hedge write apartment buildings & multi-family?

Apartment buildings & multi-family is in Hedge's current published appetite. Frame and joisted masonry up to 4 stories. 10-250 units. Updated roofs win. Hedge confirms current market fit and route after reviewing the account.

What does Hedge need to quote apartment buildings & multi-family?

5-year loss runs, all property + GL; Statement of values with construction class; Roof age & last replacement date; Wiring (knob-and-tube? aluminum?); plus 2 more standard items. These items support placement review, but an underwriter may request more.

What limits and lines does Hedge offer on apartment buildings & multi-family?

Commercial Property target up to $50M TIV / loc; General Liability target up to $1M / $2M; EPL (HR-1 form) target up to $1M agg. These are published targets, not promised terms. Available limits are confirmed after account and market review.

Does Hedge write habitational?

Habitational is one way brokers describe apartment buildings & multi-family. It maps to the same published Apartment buildings & multi-family appetite, target lines, and submission guidance listed above. Current fit and route still require account review.

Public appetite is directional and may change. It is not a quote, binder, coverage commitment, or confirmation of access to any named market. Hedge confirms current fit, route, and authority after reviewing the account.

· LAST REVIEWED   2026-08-24    · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC   CA LICENSE #6018729   NPN 22154671