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HAI Group is proud to offer insurance and risk control services for low and mixed-income housing entities not in the public housing program.


Commercial Property Coverage

  • Enhancement endorsement designed for apartment owners and property managers
  • Computer equipment within Business Personal Property, eliminating a separate coverage form
  • Sublimits for Earthquake, Flood, and Business Income/Extra Expense (Earthquake and Flood not available in high-risk areas)
  • Option to include Equipment Breakdown (Boiler and Machinery) as an endorsement
  • Installment pay plans are available for qualifying accounts

Commercial Liability Coverage

  • Option to include Employee Benefits Liability (Claims Made Basis)
  • Option to cover Hired and Non-Owned Auto as an endorsement, eliminating a separate policy (*not available in all states)
  • Option to cover on a Location Aggregate basis
  • Option to cover Employers Liability (Stop Gap) where there are state-run workers’ compensation (monopolistic) programs
  • Installment pay plans are available for qualifying accounts


  • Rated A (Excellent) by A.M. Best Company
  • Admitted in 49 jurisdictions
  • Proven experience in subsidized housing and low-income tax credit developments
  • Financial Size Category: IX* ($250 million to $500 million)
  • *Financial Size Category (FSC). The FSC is based on adjusted policyholders’ surplus (PHS) and is designed to provide a convenient indicator of the size of a company in terms of its statutory surplus and related accounts

Markets We Serve

  • Affordable or mixed-income housing
  • US Department of Housing and Urban Development (HUD)-financed properties
  • Low Income Housing Tax Credit (LIHTC) developments
  • Low income senior housing
  • Section 8