Apartment Buildings

Customized insurance to help protect your business
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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


  • 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.


Coverage & Benefits

Understanding coverage and benefits is an important first step to protecting your business.



One Program, Many Choices - Apartment Buildings

Our package policy includes standard property and general liability coverages along with industry-specific enhancements. Working with your insurance professional, you decide what additional coverages are needed. You also have access to a variety of risk management services to help you control costs. 

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Why GNY?

  • Expert in providing industry-specific commercial insurance since 1914
  • Consistently rated A+ (Superior) by A.M. Best Company
  • Disciplined underwriting matches price to risk
  • Strong, personalized policyholder service
  • Industry leading claims service
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