Alternative Risk Company provides admitted and non-admitted coverage solutions for your client’s habitation related needs. We specialize in structuring tailored solutions that range from small single location properties up to large multiple location schedules. By working closely with our long-term market relationships, we are also able to assist clients with the often tough subsidized and student housing exposures.

Our habitational related products include, but are not limited to:

  • Property & Inland Marine
  • Commercial General Liability
  • Umbrella and Excess Liability
  • Workers’ Compensation
  • Employment Practices Liability

A few sample classes of business we consider:

  • Apartments
  • Condominiums
  • Townhomes
  • Rental Dwellings
  • Commercial Real Estate Owners
  • Assisted living and independent living homes

To put our expertise, experience and relationships to work for you and your habitational clients, please forward the following items to expedite the submission process:

  • Appropriate ACORD applications
  • Supplemental Application
  • Statement of Values for multiple location property risks
  • 3-5 years prior carrier loss runs (if applicable)


We can provide a plan specific to your needs.