Primary focus
Multi-Family & Habitational
The risk here is concentration and severity. High property values are spread across multiple buildings, and a single premises-liability claim — a fall, an assault, a fire displacing tenants — can be severe. There's ongoing tenant exposure every day the doors are open, plus governance risk where HOA or condo boards make decisions. (This is the building and the operation, not the individual unit.)
Core coverage
The foundation every multi-family account carries.
Specialty coverage
The lines a once-a-year agent overlooks.
These are where a multi-family program proves it was built around how your business actually operates.
Lessor's Risk (LRO)
Liability arising from leased premises.
Ordinance or Law
Extra cost to rebuild to current codes.
Equipment Breakdown
Building systems, elevators, HVAC.
Flood
Earthquake
Geography-dependent.
Directors & Officers
HOA and condo association boards.
Crime / Fidelity
Association funds.
Abuse & Molestation
On-site staff and contractor exposure.
Cyber
Resident data and payment systems.
Why Ventra
We understand your business before we recommend coverage.
- We find the gaps a transactional agent misses — fewer surprises when a claim is tested.
- Specialized depth in the industries we serve, so we speak your business on day one.
- A relationship, not an annual transaction — coverage that keeps pace as you grow.