Package, Monoline GL and Monoline Property for habitational risks

Habex is a Managing General Underwriter for RT Specialty brokers and limited wholesale appointments which provides access to designated capacity for Habitational General Liability and Property risks.

Specialty Expertise

Habex offers Package, Monoline GL and Monoline Property for habitational risks including apartment buildings, condominiums, co-ops, townhomes, and offices with minimum premium as low as $5,000 (West Coast) and $10,000 (East Coast). Habitational rates are influenced by location, exposure, losses, as well as other criteria.


  • General Liability limits are $1 million per occurrence and $2 million aggregate with first-dollar defense (New York minimum deductible – $10,000)
    • Optional coverage includes Hired and Non-Owned Auto and Employee Benefits Liability.
  • Property limits will vary from $3.5 million on non-sprinklered frame structures to up to $15 million for joisted masonry or better construction.
    • Additional Property coverage options include Business Income, Extra Expense, Ordinance or Law, Additional Property Enhancement, Discharge from Sewer, and Equipment Breakdown.

Target Profile

Habitational risks including:

  • Apartment buildings
  • Condominiums
  • Co-ops
  • Townhomes
  • Offices

Available Coverage

Habex – East Coast offers package (GL & property) as well as monoline GL and is available in 17 states:

Connecticut, Delaware, Florida, Georgia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York (silent on lead, admitted paper if risk qualifies), North Carolina, Pennsylvania, Rhode Island, Vermont, Virginia, Washington, DC

HabEx – West Coast offers package (GL & property) and is available in 7 states:

Arizona, California, Idaho, Nevada, Oregon, Utah, and Washington

John Ustaoglu
East Coast, Monoline GL and Package
Jill Bay-Weber
West Coast, Package

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