HabPro Non-admitted E&S Habitational Program HabPro is a habitational segmented program specializing in non-coastal apartments, condominiums, hotel and motel businesses. This product is available on a non-admitted basis. PROGRAM FEATURES: • Top Rated National Carrier • Competitive Coverages and Policy Form • In-House Claims Service • Package and/or Mono-line Property Capability • With or Without Swimming Pools OUR TERRITORY: • All states, excluding: AK, FL, HI, & TX Powered by NSM Insurance Group • www.nsminc.com www.habproins.com Send Submissions to: [email protected]KEY COVERAGES: • Property Enhancement Endorsement - Additional Coverages and Extensions include but are not limited to the following: o Accounts Receivable o Electronic Data o Employee Dishonesty o Lost Keys to Master Locks o Newly Acquired or Constructed Property o Money and Securities • Business Income • Equipment Breakdown • Ordinance & Law • Hired and Non-Owned Auto • Additional Insureds o Ordinance or Law o Personal Effects/Property of Others o Property Off-Premises o Outdoor Sign o Backup of Sewers and Drains o Utility Services - Time Element Joe Mossbrook Program Director jmossbrook@nsminc.com | 610-808-9499
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HabPro - NSM€¦ · Powered by NSM Insurance Group • Send Submissions to: [email protected] . KEY COVERAGES: • Property Enhancement Endorsement - Additional Coverages and Extensions
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HabProNon-admitted E&S Habitational ProgramHabPro is a habitational segmented program specializing in non-coastal apartments, condominiums, hotel and motel businesses. This product is available on a non-admitted basis.
PROGRAM FEATURES:• Top Rated National Carrier
• Competitive Coverages and Policy Form
• In-House Claims Service
• Package and/or Mono-line Property Capability
• With or Without Swimming Pools
OUR TERRITORY:• All states, excluding: AK, FL, HI, & TX
• General Liability Limits - Up to $1,000,000/$2,000,000 available• Assault and Battery Sublimit - $250,000 (Must be excluded for Student Housing)
• Hired & Non-Owned Auto Liability - Up to $1,000,000 available
• General Liability Limits - Up to $1,000,000/$2,000,000 available• Assault and Battery Sublimit - Up to $1,000,000 available• Hired & Non-Owned Auto Liability - Up to $1,000,000 available
Ineligible Risks• Coastal Tier 1 Property with Wind• Frame non-sprinklered > than 13 units
must have hard wired smoke detectors• Frame building over 3 stories
non-sprinklered• Frame building > than 7 stories• PC 8, 9 or 10• Vacant buildings• Boarding, rooming
and/or halfway houses
Ineligible Risks• Coastal Tier 1 Property with Wind• Frame building > than 7 stories• Frame building over 3 stories
non-sprinklered• PC 9 or 10• Buildings over 25 years old without
updates within 15 years• Buildings over 10 stories• More than 150 units
• Assisted living facilities for GL• Student Housing 100% subsidized
when owned or operatedby college/university
• Timeshares or Condo/Hotel mix• Owner occupied dwellings• Subsidized > than 20%• Mercantile > than 30%• Buildings over 25 years old without
updates within 15 years
• Occupancy rate less than 65%• Vacant or unoccupied buildings• Cookingexposureswithoutfire
suppression system• Exposures that employ bouncers• Prior A&B claims• Any risk on barrier island