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HAI Group has been creating insurance programs for the affordable housing industry for more than 30 years. It’s our sole focus.

If you’re in need of commercial property and liability coverage, just pass along your contact information and a member of our team will be in touch to answer your questions.

Learn about what HAI Group can do for you.

About Our Affordable 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