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

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


  • Rated A (Excellent) by A.M. Best Company
  • Admitted in 49 jurisdictions
  • Proven expertise 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

Making a Difference, Beyond Insurance

Elevating awareness of public housing through our national communications campaign at ReThinkHousing.org

Researching the issues to affordable housing through the Public and Affordable Housing Research Corporation (PAHRC) at HAI Group at HousingCenter.com/research.

Collaborating with the National Low Income Housing Coalition (NLIHC) to help preserve affordable housing through the National Housing Preservation Database (NHPD) at PreservationDatabase.org. It’s the only consolidated data source of federally subsidized housing properties available online