Habitational Coverage

Orchid offers several solutions for your Residential Condominiums, Single Family Residential HOA’s, Townhome Associations and Apartments.

We specialize in Coastal risks and can write coverage without any restriction on distance to coast. See our eligibility criteria and product highlights below.

Product Highlights

  • Business Owners Policy, Monoline Property and Package Policy types available
  • Up to $15 million per location and $25 million per policy coverage
  • Up to $1 million/ $2 million in General Liability Limits
  • Includes the Orchid Premier Endorsement to enhance certain coverages such as Outdoor Property, Employee Dishonesty, Water Backup, Outdoor Sign, Debris Removal, etc.
  • 1950 and newer year built and 1900 in some areas on all construction types
  • Proprietary Programs can only be accessed through Orchid
  • A.M. Best A Rated Carrier
  • Please visit our Quick Reference Guide for more details

Unique Features

  • Include Wind coverage without any restriction on distance to coast
  • BOP policies offered with TIV limits up to $10 million per building
  • Online submission process to increase quick turn-around times

Target Risks

  • Condo Associations
  • Townhome Associations
  • Apartment Buildings
  • Single Family Residential HOA’s (Must have a Clubhouse)

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