Habitational Insurance
Protect your property—and your peace of mind. As a commercial property owner or landlord of apartments, condominiums, or multi-unit dwellings, you face unique risks every day. Habitational insurance provides essential coverage against third-party injury claims and property damage caused by fire, severe weather, theft, and more—helping you safeguard your investment and keep your tenants secure.
Expertise in habitational risk exposures
Berkley brings deep industry knowledge and proven expertise to deliver coverage solutions for a wide range of habitational risks. Our dedicated team of underwriters, claims specialists, and risk management professionals work tirelessly to help you manage exposures, reduce potential losses, and create safer environments for residents and property owners alike.
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
Providing peace of mind for habitational businesses
Managing habitational properties comes with unique risks—and preparation is key. A strong risk management program, including electrical and sprinkler system evaluations, life safety measures, and disaster readiness training, helps protect your assets and reputation. When the unexpected happens, our expert claims team is ready to respond with the guidance and support you need most.
Our habitational insurance products include:
- General Liability
- Property
- Business Interruption & Extra Expense
- Equipment Breakdown
- Umbrella/Excess Liability
- Workers Compensation
- Commercial Auto
- Crime
- Cyber
Explore with our locator tool
Find your Berkley habitational insurance partner
Explore which Berkley business is the best fit for your habitational insurance coverage needs. Use the arrows to browse options and connect with the team that’s right for you.
See how Berkley can help
Nearly 60 insurance businesses are specialized to serve your unique product, industry, and regional needs.
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Acadia Insurance
Acadia is a proud member of the Berkley company and a premier regional provider of commercial property and casualty. The company is dedicated to serving a wide range of businesses across New England and New York, offering comprehensive insurance programs tailored to the unique needs of specific industries.
Partnering with a strong network of local independent insurance agents in Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, New York, and Vermont, Acadia delivers targeted insurance solutions and exceptional claims expertise to business customers across many sectors.
Berkley Agribusiness
Berkley Agribusiness offers insurance solutions tailored to the agribusiness and equine markets, focusing specifically on the production, processing, and distribution of grain, seed, chemicals, refined fuels, animal feed; as well as comprehensive equine lifestyle and property coverage. By leveraging our expertise, we deliver adaptive solutions to help companies manage risk and thrive.
Berkley Construction Professional
Berkley Construction Professional provides professional and pollution liability, plus protective professional indemnity insurance for contractors and project owners. Our experienced underwriters are industry specialists who are passionate about delivering tailored and innovative solutions to brokers and policyholders and have the authority and autonomy to act quickly. We offer practical risk management guidance and our in-house claims professionals advocate on clients’ behalf, seeking to protect deductibles and offering support throughout the process.
Berkley Construction Solutions
Berkley Construction Solutions provides excess liability capacity on a nationwide basis for GC's and trade contractors on either a practice or project basis.
Whether your insured is an owner, developer, general or specialty contractor, the BCS team is ready to put our experience and passion to work for you.
Berkley Custom Insurance
Berkley Custom specializes in excess casualty, offering excess liability and umbrella liability with target customers ranging from middle market to Fortune 500 companies, targeting construction, manufacturing, financial institutions, retail, wholesale, public entity and oil & gas (midstream & downstream) companies.
Berkley Cyber Risk Solutions
Berkley Cyber Risk Solutions is dedicated exclusively to providing first and third party cyber coverage for emerging exposures across all industries. In addition to comprehensive insurance policies, our cyber risk management and loss control services assist companies with preventing cyber breaches from occurring and help limit the reputational and financial impact of an actual cyber breach. Primary and excess insurance are available on both an admitted and surplus lines basis.
Berkley Design Professional
Berkley Design Professional is a trusted partner for comprehensive professional liability insurance for architects and engineers. Our experienced underwriters are industry specialists. We offer complimentary, award-winning risk management resources and guidance for all policyholders.
Berkley Enterprise Risk Solutions
Berkley Enterprise Risk Solutions delivers customized workers’ compensation programs for large employers. We work closely with policyholders and their brokers to implement strategies aimed at reducing both the frequency and severity of workplace injuries.
Our programs are available to organizations generating at least $400,000 in annual workers’ compensation premium. We support employers with operations in all 50 states, provided California is the primary state of coverage.
Program options include:
Guaranteed Cost Programs for budget certainty
Loss Sensitive Programs for greater control and potential cost savings
Berkley Entertainment
With over 20 years of experience serving the entertainment and sports industry, our focus is designed with your experience at its core. At Berkley Entertainment, we specialize in customizing products and services to address the unique exposures of the entertainment industry. With unparalleled attention to detail and responsiveness, we cater to the fast-paced demands. Our client-focused business model ensures peace of mind and fosters long-term partnerships built on exceeding expectations and providing support.
Berkley Equine & Cattle
Your Passion. Our Priority.™
At Berkley Equine & Cattle, we offer various equine and cattle insurance products, underwritten on behalf of Starnet Insurance Company and Gemini Insurance Company. Both Starnet and Gemini are W. R. Berkley Corporation member companies and are AM Best rated A+ (Superior) and financial size category XV.
Berkley Equine & Cattle is provided by Berkley Program Specialists (BPS). Berkley Program Specialists (BPS) is a W. R. Berkley Corporation member company.
Berkley Espana
Berkley España offers General Liability, Medical Liability, Professional Liability, Directors and Officers Insurance, Financial Institutions, Environmental Liability, Personal Accident, Cybersecurity, Life Sciences, Public Administration, Term Insurance, and Surety Insurance to companies located in Spain and Portugal. We have offices in Madrid and Barcelona.
Berkley Financial Specialists
Berkley Financial Specialists provides customized, comprehensive insurance solutions for financial institutions, registered investment advisers, registered investment companies, and insurance companies, with a range of Primary and Excess Management Liability and Fidelity Bond products. The Berkley Crime division provides crime-related insurance products for a wide range of commercial organizations, ERISA, financial institutions, and government entities.
Berkley Human Services
Berkley Human Services is a national property casualty insurance company providing insurance solutions unique to human and social service organizations. Policies are underwritten on behalf of Berkley member insurance companies that are rated A+ (Superior), Financial Size Category XV by A.M. Best Co.
Berkley Insurance Asia
Berkley Insurance Asia underwrites general insurance and facultative reinsurance in Asia, such as financial lines, casualty, species and marine. We have offices in Singapore and Hong Kong and a representative office in Tokyo. We also have a specialty underwriting team in Shanghai under Lloyd’s China. Our newest office was set up as Berkley Insurance Company, IFSC Branch GIFT City, Gujarat, India.
Berkley Insurance Australia
Berkley Insurance Australia (BIA) is an award winning general insurer delivering customised solutions across a range of specialist product lines. Our business is built on local teams supporting local brokers and coverholders, enabling fast, responsive service for quotes, risk submissions, and claims. Recognised as NIBA General Insurer of the Year (2020) and Insurer of the Year by Insurance Advisernet (2022, 2023, 2024 and 2025), we are proud of the strong relationships we have built through our personalised, broker and coverholder focused approach.
Berkley Life Sciences
Berkley Life Sciences offers comprehensive property and casualty insurance products tailored to the specific needs of the life science industry operating in a global marketplace. Our accomplished underwriting, claims and risk management professionals cohesively respond to the unique challenges faced by our customers.
Berkley Luxury Group
Berkley Luxury Group provides underwriting and claims expertise to two very specialized markets. Our name clearly identifies what we offer; tailored, all-inclusive solutions for luxury condo, co-op, rental properties, class "A" office buildings and fine dining restaurants nationwide.
Berkley Management Protection
Berkley Management Protection offers a modular suite of management liability products through the Grove, our bespoke and intuitive platform that aligns with our ‘Insurance with Ease’ value proposition. Our Trellis Management Liability Portfolio of coverages include directors and officer, employment practices, fiduciary, cyber, crime and miscellaneous professional liability.
Berkley Mid-Atlantic Group
Berkley Mid-Atlantic Insurance Group delivers competitive, reliable insurance solutions that protect your clients’ future. We offer a broad generalist appetite for Small and Middle Market businesses with expertise across six key industries: construction, retail, service, wholesale, real estate, and manufacturing.
We proudly serve Delaware, Washington D.C., Kentucky, Maryland, New Jersey, Ohio, Pennsylvania, Virginia, and West Virginia, combining regional insight with industry knowledge to provide agents and businesses with comprehensive coverage and exceptional service.
Berkley Net Underwriters
BerkleyNet specializes in delivering workers compensation insurance through a simple, intuitive online platform designed to make doing business “Ridiculously Fast. Amazingly Easy.” We offer solutions for 400+ class codes across diverse industries and premium sizes, including new ventures, with highly responsive underwriting, streamlined digital tools for quoting and policy management, and a claims team focused on efficient, supportive return to work outcomes.
Berkley North Pacific
Berkley North Pacific (BNP) is a regional commercial insurance provider known for strong underwriting, responsive claims service, and a relationship-driven approach. With local leadership and a flat structure, BNP delivers fast decisions and personalized solutions for businesses of all sizes. Working closely with independent agents across WA, OR, ID, UT, and MT, BNP consistently exceeds expectations—over 90% of policyholders with a claim have recommended BNP since 2019.
Berkley Oil & Gas
Berkley Oil & Gas is dedicated to understanding the unique risks of the oil and gas industry. We target customers that work in the oil patch including operators, drillers, geophysical contractors, well servicing contractors, equipment suppliers, and manufacturers/distributors of oilfield products. We offer specialized coverages, risk control services, and expert claims management.
Berkley One
Berkley One is an insurance provider for high-net-worth individuals and families. With a blend of thoughtful service, expertise and purposeful technology, we design personalized solutions for fine homes, automobiles, art, jewelry, collectibles, liability, recreational marine and collector vehicles. Our goal is to help clients feel supported, understood and confidently prepared for whatever comes next.
Berkley Prime Transportation
At Berkley Prime Transportation, we specialize in providing tailored insurance solutions for the trucking industry. Our focus is on delivering reliable coverage for standard and preferred risks, helping fleet operators protect their business and stay on the road with confidence.
Our core coverages include Primary Commercial Auto Liability, General Liability, Motor Truck Cargo Insurance, and Physical Damage Coverage.
We primarily serve fleets ranging from 15 to 75 power units, offering flexible and comprehensive policies designed to meet the unique needs of mid-sized trucking operations.
Berkley Product Protection
Berkley Product Protection provides recall, contamination, general liability and excess/umbrella insurance, as well as preemptive risk mitigation services coupled with 24/7 crisis support. We offer innovative insurance solutions for complex product risks with an expansive range of policy enhancements that can be fine-tuned to ensure clients have the appropriate coverage to meet their needs.
Berkley Program Specialists
Berkley Program Specialists is a leading insurance operation dedicated exclusively to delegated underwriting authority business. We provide program administrators with underwriting authority backed by admitted and non-admitted A.M. Best A+ rated insurance paper, as well as program management expertise and, when required, reinsurance support.
Berkley Public Entity
Berkley Public Entity specializes in providing innovative insurance and reinsurance solutions tailored specifically to public entities and religious institutions. With a focus on public entity and religious institutions liability insurance, we bring extensive knowledge in underwriting, claims, actuarial, and financial services.
We provide customized insurance solutions to meet the distinct needs of public entities such as municipalities, counties, states, k-12 schools, community colleges, public utilities, transit districts, and special districts, as well as religious institutions.
Our comprehensive offerings include general liability, law enforcement liability, professional liability, including public officials’ liability, educators’ legal liability, and employment practices liability, as well as automobile liability, and sexual misconduct liability.
Berkley Re - Australia
Berkley Re Australia is a reinsurer dedicated to providing reinsurance capacity and underwriting expertise across Australia and New Zealand. We specialise in underwriting of Casualty and Property lines of business and pride ourselves for having excellent local reach across the region.
Berkley Re Solutions
Berkley Re Solutions is a specialty casualty reinsurer that provides reinsurance support and services for a range of insurance clients and distribution sources. As a direct casualty reinsurer, we work closely with our partners in a consultative manner to improve their underwriting practices, pricing strategies, and overall risk management.
Berkley Re Turnkey Solutions
Designed by experts with extensive experience in our target markets, we've created white-label turnkey reinsurance solutions that are the comprehensive packages your insureds need.
We provide a comprehensive package that encompasses form creation, rates, rules, marketing, and claims support. As your long-term partner, we utilize our expertise and leverage our extensive knowledge in specialized underwriting and claims management to take on risk, manage premiums, and deliver strong, white-labeled reinsurance solutions.
Our turnkey solutions are just that — full solutions. In partnering with Berkley Re Turnkey Solutions, you have access to in-house claims service, training resources, risk management, and marketing support.
We are designed to be an extension of your team through our white-labeled approach. Your name will appear throughout the policy lifetime, enhancing your market presence and improving your value proposition to your agents and insureds.
Berkley Re UK
Berkley Re UK, based in the heart of London, is redefining reinsurance with a client-first approach. Our mission is to deliver exceptional underwriting and service through specialized expertise, swift responsiveness, and tailored solutions for the global Property & Casualty reinsurance marketplace. As a lively, collaborative team, we are committed to building strong, long-term relationships and fostering mutual growth.
Berkley Renewable Energy
Berkley Renewable Energy understands the unique risks associated with renewable customers. We target domestic onshore, wind, solar, biomass, hydro and geothermal operations. This includes contractors performing installation, maintenance, inspection and testing and select operators and project owners. We offer specialized coverages, risk control services, and expert claims management.
Berkley Service Professionals
Berkley Service Professionals delivers industry leading Professional Liability solutions designed for the diverse world of miscellaneous service providers. Our experienced team specializes in complex and unconventional risks, and brings unmatched insight, agility, and creativity to every account. We understand the unique exposures faced by service professionals and craft customized E&O solutions through smart, out of the box underwriting. With deep industry knowledge and a commitment to excellence, we provide tailored protection that meets the evolving needs of our clients. We do business on an excess & surplus lines basis in all states.
Berkley Small Business Solutions
Specialized Insurance Solutions for America’s Small Businesses
Berkley Small Business delivers simple, dependable, and intelligently designed insurance solutions for small businesses across the country. Working exclusively through appointed retail agents and select wholesalers, we provide streamlined access to Businessowners Policy (BOP), Workers Compensation, and—coming soon—Business Auto coverage designed specifically for the needs of small business owners.
Our team brings deep expertise in small commercial underwriting, distribution, and service. We understand that no two small businesses are alike, so we focus on crafting coverage solutions that match the unique exposures, scale, and pace of small business operations. By combining disciplined underwriting with responsive service and modern technology, we help our distribution partners grow while giving policyholders confidence that they’re protected from the unexpected.
At Berkley Small Business, protecting small businesses isn’t just part of what we do—it’s our entire purpose. We’re committed to making insurance easier, faster, and more effective for our agents and the customers they serve.
Berkley Southeast
Berkley Southeast (BSE) is a regional property casualty insurance company offering insurance programs for small to mid-sized businesses throughout the Southeast. We are accessible through appointed retail agents and brokers throughout Alabama, Georgia, Mississippi, North Carolina, South Carolina and Tennessee.
Berkley Southwest
Berkley Southwest delivers tailored commercial property and casualty services through independent agents across Arizona, Arkansas, New Mexico, Oklahoma, and Texas. Our local presence ensures responsive underwriting support and close connections with our customers. Our core strengths lie in forging strong relationships with our partners for efficient, personalized solutions.
Berkley Specialty Excess
Berkley Specialty Excess is a national provider of environmental and energy solutions for a wide array of businesses through both retail and wholesale relationships. We focus on more complex, higher-risk insureds that require specialized expertise to address their sophisticated risk management needs related to environmental pollution and energy exposures. For environmental risks, Berkley Specialty Excess offers contractor’s pollution liability, environmental professional liability, site pollution and environmental remediation liability (S.P.E.A.R.), products pollution liability, general liability, and environmental excess liability. For energy-related risks, we offer our energy excess liability product.
Berkley Specialty London
Berkley Specialty London is a specialist insurer based in the heart of the London market. Situated across from Lloyd’s of London, we provide a comprehensive product offering across the Specialty Property and Specialty Casualty sectors. Our focused approach ensures we provide tailored insurance solutions that meet the specific requirements of our clients, offering them peace of mind so they can perform at their best.
Berkley Surety
Berkley Surety provides a broad range of contract and commercial surety solutions backed by strong financial strength and deep underwriting expertise. We partner closely with agents, brokers, and customers to deliver responsive service, sound credit judgment, and consistent decision making. Our experienced underwriting teams support a wide variety of industries and project types, offering tailored bonding programs that help businesses grow while managing risk effectively. Berkley Surety is committed to long term relationships, operational excellence, and dependable outcomes for our distribution partners and customers.
Berkley Technology Underwriters
Berkley Technology Underwriters, based in Minneapolis, MN USA, is a global provider of insurance for technology industries and technology exposures including: Property, GL/Products, E&O & Cyber, Workers Compensation, Auto, and Umbrella. All are available on an admitted basis around the world.
Carolina Casualty
Carolina Casualty is a trusted name in insurance, proudly serving the trucking and public transportation industries for over 80 years. Our long-standing commitment to these sectors is built on a foundation of superior underwriting expertise, exceptional claims service, and deep industry knowledge. We are dedicated to delivering value and protection to our clients through customized insurance solutions and a legacy of reliability.
Carolina Casualty is focused on Trucking Fleets of 50+ Power Units and Public Transportation Risks of 10+ or more power units.
Continental Western Group
As a trusted partner since 1886, Continental Western Group® (CWG) is a regional commercial insurance provider focused on middle market commercial, commercial agribusiness, and specialty programs. We know insurance isn’t one-size-fits-all – it’s about understanding the people and businesses behind every policy. That’s why we’re not just here to cover risks; we’re here to help our clients feel secure, confident, and cared for.
Gemini Transportation Underwriters
Gemini Transportation Underwriters is a premier provider of excess liability insurance for businesses within the transportation sector. We offer specialized underwriting for excess liability coverage across trucking, busing, and other commercial vehicle fleets, as well as for companies operating in the railroad industry.
Midwest Employers Casualty
Midwest Employers Casualty (MEC) provides excess workers’ compensation insurance for individual and group self-insured employers, along with customized solutions for the captive market.
Our People + Process + Technology approach helps reduce costs within the insured's retention and delivers long-term results through better care and recovery for injured employees.
We distribute our products exclusively through retail and wholesale agencies, supporting our broker partners with the expertise, tools, and insights needed to deliver exceptional value.
Preferred Employers Insurance
Preferred Employers is a workers compensation insurance company serving California brokers and policyholders with the gold standard of care. Known for managing our own Medical Provider Network, we underwrite several industries, specialize in middle to large markets, provide risk management services and develop programs.
Vela Insurance Services
Vela's risk professionals specialize in excess and surplus lines business in Vela's three market segments: Construction, Specialty Casualty, and Professional Liability.
Vela's primary focus is on construction, manufacturing, service-oriented clients, products liability and miscellaneous professional liability - including technology, cyber, contractors professional and accountants professional.
Tailored Coverage Our Clients Trust
We certainly do appreciate the strategic partnership with the CWG team! We’ve had many different carriers over the decades for liability and CWG has by far been the best and most professional company we have worked with. I’m not one to give out compliments, but I have been really impressed with how the CWG team operates – CWG really stands head and shoulders above the competition – by far!!
Tom M, CWG Customer
Thank you again for taking the time to come out and connect with my team. The insight offered was truly valuable to both Barry and myself. I just wanted to follow up with you and let you know that we have incorporated your recommendations into our safety plan to make it the new norm on our end. We are going to start a bidding process for the nurse hotline to see which will make the most sense for us. Thank you again.
Ryan P., Berkley Renewable Energy customer
BEST and most consistent claims reps that we work with! I believe adjusters are lost in the shuffle because it’s hard to quantify their value, but you guys have some of the best adjusters in the business.
Andy, risk advisor from southern agency
Message to Tracy, BMAG Auto PD Claims Representative: I just wanted to thank all of you! This has been the smoothest and easiest instance I have had with any bodyshop/insurance company. I have had a couple of fender bender repairs in my driving history. Most small like this one, but this has been the best coordination I have ever had. THANK YOU!!!
Kim R., Berkley Mid-Atlantic customer