We Love Habitational Business!

When you think habitational, think Concorde because we are thinking of you.  In addition to our long-standing relationships with multiple habitational markets, Concorde now offers a product to write some of the most hard-to-place apartment buildings. Send us your accounts! We have many options to consider.


Great Lakes Apartment Program

We 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 lower occupancy, student or subsidized housing, so we created an exclusive program to write just that!  Ready to Quote? Submit your completed Acord, Concorde supplemental app & 3 years loss runs to submissions@cgains.com.

Program Overview   Supplemental Application


Additional Apartment Markets Available

For accounts that are not a fit for the Great Lakes Apartment program, we have multiple additional carriers to quote Package, 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!

Contact Your Underwriter


For details on what we are writing or to discuss a specific risk, contact our Commercial Excess & Surplus Lines Team.  Please send all applications, supplementals and requests to submissions@cgains.com.