Commercial

What insurance does a Georgia apartment building need?

Georgia apartment buildings (8+ units) typically need a master property policy covering all structures and common areas, general liability for premises, loss of rents, and umbrella above GL for catastrophic liability events. Admitted carriers like Philadelphia Insurance and Hanover are the primary markets. Older buildings (pre-1985), properties with flat roofs, buildings with multiple prior losses, and coastal or flood-adjacent Georgia properties often require surplus lines markets. Carrier selection depends heavily on building age, construction type, sprinkler systems, and claims history. We assess all of these before submitting to any carrier.

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What insurance does a Georgia apartment building need?

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