Student & Senior Housing Insurance
Specialty habitational property and liability for student housing and senior living portfolios.
Student and senior housing look like apartments on paper and underwrite like nothing else. Student housing turns over every August, sits half-empty through the summer, and lives on life-safety compliance. Senior living adds resident care, professional liability, and abuse & molestation exposure that a generic apartment carrier wants no part of. These accounts belong with specialty markets that understand the occupancy model. That's where we take them.
Who this is for
Built for accounts like yours
What we structure
Habitational property
Building and rents with realistic valuation and catastrophe structure.
General liability
Premises liability tuned to student or senior occupancy, not a generic apartment form.
Professional & resident care
Professional liability for senior living and care operations.
Abuse & molestation + umbrella
A&M coverage placed explicitly, with excess towers for these higher-sensitivity classes.
Common questions
Do you cover senior living professional liability?
Yes. Senior and assisted living carries resident-care exposure that ordinary premises liability was never built for. We place professional liability through specialty senior-care markets and coordinate it with the GL, the A&M coverage, and the umbrella so the policies respond together instead of pointing at each other.
Is abuse & molestation coverage included?
It has to be, and we place it explicitly, often with its own limit. A&M left to a buried sublimit or a silent exclusion is one of the most expensive discoveries a housing owner can make after a claim.
How is student housing summer vacancy handled?
By telling the truth about it up front. We present the seasonal occupancy pattern accurately so the program is priced for the real risk and a vacancy provision doesn't void coverage over winter break.
Get started
Talk to a student & senior housing specialist
Send us the current program, or just the renewal date. We'll tell you whether the structure, the pricing, or the coverage can be beaten. Built for accounts with $50,000+ in annual premium.
- A second set of expert eyes on your program, free.
- Marketed to the carriers that actually want your risk.
- No obligation, fully confidential.