Habitational Insurance

As a commercial property owner or landlord of a residential dwelling, such as an apartment, condominium, or multiunit dwelling, you need habitational insurance to help protect against claims from third-party injuries and property damage due to fire, weather-related storms, theft, and more.

Expertise in Habitational Risk Exposures


Berkley’s knowledge and industry expertise can provide coverage solutions to meet the challenges for a variety of habitational exposures. Our team of underwriters, claims and risk management professionals are focused on managing risks, mitigating potential losses, and providing a safe environment.

Check out our Berkley Locator to discover which Berkley insurance business may be right for your Habitational business needs.

Providing Peace of Mind to Habitational Businesses

Habitational businesses can benefit from a solid risk management program, including evaluations of electrical systems, sprinkler systems, life safety, and other training programs in preparation for a disaster or catastrophic event. Our expert claims team will respond and provide expertise when you need us most to help protect your assets and reputation.


Our Habitational Insurance Products include: 

  • General Liability 

  • Property 

  • Business Interruption & Extra Expense 

  • Equipment Breakdown 

  • Umbrella/Excess Liability 

  • Workers Compensation 

  • Commercial Auto 

  • Crime 

  • Cyber

Types of Properties for Which We Can Provide Insurance

  • Apartments 

  • Dwellings 

  • Condominium or Townhouse Associations 

  • Student Housing 

  • Boarding or Rooming Houses 

  • Subsidized Housing 

  • Halfway Houses and Shelters 

  • Duplexes, 3- and 4-family Dwellings 

  • Mixed-use Apartments (retail/habitational) 

  • Luxury Condominiums and Co-Ops


See how Berkley can help

Choose an industry and/or product to find the best Berkley solution for your needs. Or click Search to view all Berkley insurance providers.

What Our Customers Say

“I was very fortunate to have Preferred Employers Insurance take over my case. I was at a standstill until their team started handling my situation. The company is great at what they do and anyone else who has the pleasure of working with them will find out the same! Thanks again so very much!”

— Frank V.

Waste Water Operator, Planada Community Service District.

“Berkley One has been amazing!!! You have really gone above and beyond for us and made this very annoying accident as easy as possible.”

— Amy G.

Client in Illinois.

“I am incredibly pleased with the claim management, guidance, consult calls and quality of service we receive from Midwest Employers Casualty. The team is committed to prompt and efficient service - and is readily available for consult calls. The process is effortless, efficient, seamless and productive.”

— Tawanna B.

Senior Benefits Manager, Blue Cross Blue Shield of Michigan.

“Our Berkley Environmental Claims Adjustor has been incredibly responsive to us, and has clearly taken the time to research the particulars of this claim. She has contacted and spoken with our client, and has explained to him and to us what she has been able to determine from her thorough research of the information presented so far in this claim. I am thankful that we have a competent, professional, dedicated, and pleasant-to-work-with adjuster in our corner.”

— Mary F.

Business Manager, Tech Painting Co.