HabPro Insurance – Commercial Real Estate Insurance


HabPro Insurance is a best-in-class Commercial Real Estate (CRE) insurance program specializing in package and mono-line property for apartments and condominiums. Built by NSM Insurance Group, the nation’s leading provider of specialty insurance programs, HabPro is available on a non-admitted basis and is focused on providing competitive coverage to the small and middle-market arena.


Trust our expert underwriting team to help you with hard-to-place habitational risks across the country!


Appetite Guide

  • Built in 1980 and newer
  • Property amount subject: Up to $15M max
  • Non-coastal apartments and condos
  • Multi-family homes
  • Student housing
  • PC 1-7
  • Risks with less than 15% subsidized or 30% mercantile
  • Available in all states, excluding Alaska, Hawaii, Florida, Louisiana and the five boroughs of New York City


Program Coverages

  • Robust Property Enhancement Endorsement, which includes various sub-limit coverages
  • Business Income
  • Equipment Breakdown
  • Ordinance & Law A, B & C (up to 10%), D
  • Hired & Non-Owned Auto

Click here to view our program guide with more information


Why Work with HabPro?


  • A+ rated national carrier
  • Exclusive policy forms
  • Competitive coverages
  • Creative solutions for traditional & non-traditional accounts
  • Dedicated underwriting expertise
  • In-house claims team
  • Superior service

Coverages Offered

Commercial Property

Equipment Breakdown

Hired & Non-Owned Auto Insurance Coverage

Ordinance Or Law Enforcement Coverage

Binding Authority


Applications and Informational PDFs

Request A Quote

Contact NSM Insurance Group