We Love Habitational Business!

We recongnize Apartments are hard to place in today's challenging market.  Concorde not only has long-standing relationships with multiple habitational markets, we are adding even more carriers and product options for apartment buildings. Send us your accounts via our Online Commercial Application in peteRATER+ or Email an App and we'll do the leg work to shop our available markets for you! 

These products are offered through Concorde's Commercial Agency Bill division and a Concorde Agency Bill contract required. To learn more about any product contact your Commercial Agency Bill Underwriter or call 800.726.1611 ext. 8994.


HabPro Habitational Program

HabPro specializes in Package and Monoline Property for Apartment Buildings, offering competitive ground-up coverage solutions for your small and middle market habitational risks. Best turn around available on accounts up to $10MM with accounts up to $25MM considered. 

  • Sweet Spot for Building Construction is 2004-2015 (2000+ Eligible)
  • Student, LIHTC - Low Income, Section 8 housing up to 15%, or 55+ Independent Living Housing Eligible
  • NO GRILLS within 10 feet of building or located on decks or porches

How to Quote:

  • Submit Online in peteRATER+ - You can complete your application online in our peteRATER+ platform for the quickest turn around. Please upload a completed HabPro Supplemental and Statement of Values when submitting online.
  • Submit via Email - You can also send completed Acords, Statement of Values and the HabPro Supplemental to newbusiness@cgains.com.

peteRATER+ Online Application  Habpro Supplemental  Statement of Values 

Great Lakes Apartment Product

Concorde created this product to provide an option for some of the most hard-to-place accounts. There are certain exposures many companies won't consider, including older buildings, lower occupancy, and student or subsidized housing, so we created a specialty product to write just that!  

How to Quote: Complete an online quick quote at the link below to get started. If you wish to proceed with a qualified quote, the system will allow you to download the quote and supplemental application with submission instructions.

Product Guide   Online Quick Quote   Concorde Habitational Supplement


Additional Binding & Brokerage Markets Available

We have multiple additional Excess & Surplus Lines carriers to quote Package, Property, GL and Excess. Our typical account has property limits of $2-6 Million, but we have the capacity to write up to $10MM TIV and $10MM Excess. We Can Write:

  • Independent Ownership OR Franchises
  • Lower Occupancy Rates
  • Older Buildings
  • Buildings with Exterior Entrances
  • Locations in Secondary/Smaller Markets
  • Accounts with Prior Claims
  • Non-Sprinklered Buildings
  • Unsecured Buildings
  • Pools – No Problem!

How to Quote:

peteRATER+ Online Application  Concorde Habitational Supplement


Not Sure Which Option is the Best Fit?

When you don't know where to start, we can talk you through the options available! Contact your Commercial Agency Bill Underwriter or call 800.726.1611 ext. 8994 and we'll support your product and quoting questions.