Apartments

There are many ways Apartment owners can be victim to financial consequences from either property or liability losses. Whether its fire, wind, or liability associated with swimming pools and spas, saunas, playground equipment, sponsored events, parking areas, advertising, and more, you need solid protection. With our many years of experience, and number of program available to, IronPoint Insurance has insurance products that provide the apartment owner the most comprehensive and innovative insurance solutions regardless of size or complexity.

To learn more about our comprehensive protection, please contact your IronPoint agent today.

Apartments Coverages

Here are some of the coverage options that are available to you to help
you with your insurance needs:

Property and Inland Marine

1. Buildings at Extended Replacement Costs or Actual Cash Values
2. Separate limit for Specified Property (Pools, Fences, etc.)
3. Automatic Increase in Building Amount (inflation guard)
4. Contents at Replacement Costs or Actual Cash Values
5. Loss of rental income and extra expense on an actual loss sustained
basis for 12 months or other extended period.
6. Loss in value of undamaged building portion, demolition or increased
construction cost to meet ordinance or law requirement
7. Comprehensive equipment breakdown coverage
8. Coverage extension to newly acquired buildings
9. Fire department service charge and extinguisher recharge cost
10. Outdoor signs
11. Debris removal or clean up cost
12. Pollutant clean up cost
13. Back up of sewers or drains or appliances
14. Accounts Receivables and Valuable Papers coverage
15. Computer equipment including Media & Records
16. Earthquake or earthquake sprinkler leakage

Crime

1. Employee Dishonesty
2. Money & Securities - from both inside and outside the premises
3. Forgery & Alteration
4. Money Orders & Counterfeit Currency

General and Other Liability

1. Operations and Premise liability including parking lot liability
2. Personal and Advertising injury liability
3.Products and Completed Operations liability
4.Contractual and Owners Protective liability
5.Hired and Non-owned automobile liability
6.Employee Benefits Liability
7.Medical payments and Tenant's Legal Liability
8.Per location aggregate limits

Automobile Liability

1 See our coverage page for Automobile Liability

Workers Compensation and Employers Liability

1 See our coverage page for Workers Compensation