Coverages

HAI Group has offered insurance solutions for public housing authorities and affordable housing providers for over 20 years. We can provide insurance coverage for almost every situation, including Commercial General Liability, Fidelity, General Liability, Property, Umbrella, and Wind.

To learn more about our coverage offerings, click on the items of interest below.

 Affordable and Public Housing Coverages

Click each Coverage (+) to show its description. For an Insurance Application, follow the Applications link in the left navigation bar. They are available in a PDF form that can be filled out and submitted online.

Please contact our Marketing Department at 800-873-0242, ext. 270 for more detailed coverage information and to confirm if coverage is available in your state.

• + Accounts Receivable
Provides coverage for both the cost of reconstruction of damaged and destroyed documents and records and the amount of receivables unable to be collected directly as a result of an insured loss.

• + Auto Liability (Direct)
Provides protection for bodily injury and properly damage arising from an automobile claim.

• + Auto Physical Damage
Physical damage pays for a loss to a covered auto and its equipment. Collision insures against loss caused by the covered auto's collision with another object, and Camp covers loss for cause other than collision. Towing may be added for an additional premium.

• + Cyber Liability
Provides coverage to protect PHAs against first- and third-party claims, media liability, and business interruption exposure, expense, and inconvenience.

• + Fidelity Blanket Employee Dishonesty
Provides coverage for money and securities and property other than money and securities at each premise of the insured. Form 0 provides "per loss" coverage (rather than Form P - per employee). Faithful Performance protects against failure to properly manage funds, and can be added for an additional premium. Computer Fraud (Form F) Provides fidelity coverage for theft of covered properly using a computer.Additional coverage options are available for Forgery (Form B) and Money Order/Counterfeit Currency (Form R).

• + Boiler & Machinery
Provides for damage to boiler and machinery objects as well as damage to buildings and contents caused by the failure of such objects. Coverage includes boilers, pressure vessels, motors, pumps, air conditioning and electrical equipment. State inspections will as required.

• + Builder's Risk
Covers buildings under construction, including building/structure, its foundation and fixtures, machinery and equipment to service the building, temporary structures built on site and building materials and supplies owned by the insured.

• + Business Computer
This provides coverage of Electronic Data Processing Equipment and Data.

• + Commercial Liability
Covers liability to a third party.

• + Commercial Property
Covers buildings and contents.

• + Earthquake
Coverage for earthquakes and volcanic eruptions.

• + Employee Benefits Administration Liability
Provides claims-made coverage for losses arising out of negligence in the administration of an employee benefit program. It defends the agency against allegations that seek damages because of denial of benefits, administrative error or improper advice.

• + Employment Practice Coverage
Provides coverage on a claims-made basis to Commissioners and employees for errors or omissions made in the course of their duties with respect to Employment Practices issues such as hiring, firing and failure to promote.

• + Equipment Floater
All equipment valued at over $1,000 should be scheduled for more adequate coverage and deductibles. These include items such as cameras, printers, fax machines, copiers, fine art, XRF guns, cellular phones, pagers, tractors, lawn equipment and other grounds-keeping equipment.

• + Excess Following Form Coverage
Provides additional liability insurance above primary general liability on a different policy.

• + Flood
Provides coverage for flood losses. Lenders and HUD require flood insurance for property in special flood hazard areas.

• + Interruption of Computer Operations
Provides claims-made coverage for actual or alleged wrongful acts by security officers, police or tenant patrols.

• + Mold, Other Fungi or Bacteria Liability
Provides claims-made protection against claims arising from exposure to any stage or form of mold or other fungus.

• + Ordinance or Law
Provides extra expense to repair or replace a building to current zoning code or ordinance, including AOA/504 Compliance.

• + Outside Signs
Provides coverage for outside signs not attached to buildings.

• + Pesticide
Provides coverage for your staff engaged in the application of pesticides or herbicides to control rodents and insects.

• + Public Officials Liability
Provides claims-made insurance to cover wrongful acts of boards of directors. Employment Practices liability may be added for an additional premium.

• + Section 8 Lead Liability
Provides professional liability coverage to PHA staff performing Lead-Paint visual assessments in section 8 dwellings during the HQS inspection process.

• + Terrorism
Covers an act of terrorism that is certified by the Secretary of the Treasury, in concurrence with the Secretary of State and the Attorney General of the United States, in accordance with the Terrorism Risk Insurance Program Reauthorization Act of 2007 (TRIPRA).

• + Theft Inside\Outside the Premises
Theft Inside covers money and securities on your premises against robbery or burglary. Theft Outside covers money and securities in the custody of a messenger against robbery or burglary.

• + Valuable Papers
When valuable papers and records are destroyed, provides coverage for the cost to restore such papers.

• + Workers' Compensation Coverage
Provides coverage for bodily injury arising to workers in the course of their employment.