A Comprehensive and Flexible Solution

GNY has been meeting the commercial insurance needs of specialized industries since 1914. GNY understands the unique needs of the apartment building industry. As an owner or manager of apartment buildings, you can benefit from our expertise in designing products and services targeted to your industry. We offer a comprehensive and flexible insurance package that includes property and general liability coverages along with enhancements specific to your industry – all in one convenient policy. Optional coverages are also available to further customize your insurance program.  


 Our package policy is designed for:

  • Individual apartment buildings

  • Garden apartment complexes

  • Larger apartment schedules


Coverages include:

  • Property Insurance - Covers damage to a building and its contents due to a covered event, such as a fire. Also insures against losses associated with mechanical and electrical system breakdowns, a business interruption, improvements and betterments and more.

  • General Liability Insurance - Provides legal defense and coverage for claims of bodily injury and property damage caused by accident, associated medical costs, and for certain Personal and Advertising Injuries.

    • Limits up to $1 million per occurrence
    • $2 million aggregate
    • Medical Payments available up to $10,000
    • Umbrella limits up to $15 million
  • Industry-related enhancements - More than 20 enhancements are added to the policy to address the unique insurance needs associated with apartments. Enhancements include but are not limited to:

  • Backup of Sewer Drains
  • Debris Removal
  • Elevator Collision (for Personal Property of Others)
  • Employee Dishonesty, Forgery, Money and Securities
  • Newly Acquired Real and Personal Property
  • Ordinance or Law
  • Pollution Cleanup

Optional coverages:

Your business is unique. That’s why we offer additional coverages to further customize your insurance program, including:


Please refer to the insurance policies themselves for a complete description of the coverages, limits, conditions, and exclusions.


Not all products are available in all states and not all products are available in all multi-peril packages offered by GNY Insurance Companies. Please consult with your GNY affiliated broker for further information.

Coverage & Benefits

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