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HAI Group is proud to offer insurance and risk control services for low-and mixed-income housing.


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 AM 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)

Markets We Serve

  • Affordable and 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

*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

Making a Difference, Beyond Insurance

Elevating public housing awareness and why it matters through our national communications campaign, ReThinkHousing.

Illuminating the issue affecting affordable housing through our support of the Public and Affordable Housing Research Company (PAHRC).

Encouraging the preservation of affordable housing by sponsoring the National Housing Preservation Database (NHPD), the only de-duplicated national inventory of federally subsidized housing properties.