Wholesale Insurance Specialists (314) 370-2100 info@denali-specialty.com

Residential Investor Property Program

A Denali Exclusive Program for Residential Real Estate Investor Property Schedules

Commercial Insurance for Residential Investor Property

Schedules (Rental dwellings, light apartment and LRO exposures)

  • Risks located in the United States (excluding US Virgin Islands)
  • A- (Excellent) A.M. Best Rated Carrier1
  • Denali has Exclusive In-House Underwriting Authority
  • Package Policy Offerings Available

Commercial Property Coverage

Real Property including BI and BPP

  • Equipment Breakdown
  • Limits up to $2.5 million any Single Building
  • In-House Authority up to $25 million TIV
  • Schedule Credits available
  • Separate AOP and Wind-Hail Deductibles

Commercial General Liability

General Liability (when packaged with Property)

  • Employee Benefits Liability
  • Stop-Gap Liability
  • Cyber Suite Offerings
  • Employment Practices Liability Coverage
  • Hired and Non-Owned Auto


Lines of Coverage

    The PROPERTY line of business is the program’s required anchor.

    Property Coverage

    (i.e., building, business personal property, personal property of
    others, business or rental income, etc.)

    • $2,500,000 per building
    • $25,000,000 per schedule (in-house underwriting authority)
    • Coinsurance 80%, 90% or 100%

    Commercial General Liability

    • $1,000,000 / $2,000,000 / $2,000,000
    • $100,000 fire legal limit
    • $5,000 med pay limit

    Stop Gap Liability

    • $1,000,000 / $1,000,000 / $1,000,000

    Employee Benefits Liability

    • $1,000,000 / $2,000,000 limits

    Hired and Non-Owned Auto

    • $1,000,000 / limit

    General Risk Eligibility



    The program’s primary focus is on Investor Schedules and REO properties:

    That have account characteristics that are Investment Property In nature.

    The program targets dwellings that have no more than Four Units however, we can also look at smaller apartments and light LRO.

    Buildings that are under Five Stories are the program’s primary focus.

    Favorable 3-year hard-copy Loss Runs -or signed no-known Loss Letter

    Generally speaking, the program focuses on Non-Critical CAT exposed properties.

    Coverage Extensions

    Insurance endorsements to help further tailor the coverage for your clients.


    • Premier Commercial Property Extension Endorsement
    • Ordinance or Law Coverage (sub-limit)
    • Sewer Backup (sub-limit)
    • Debris Removal (sub-limit)
    • Vacant Risks and Renovations Coverage
    • Equipment Breakdown Coverage (sub-limit)


    Additional Options

    • Earthquake Capability (options available outside of the program)
    • Flood Capability (options available outside of the program)
    • Excess or Umbrella Capability (options available outside of the program)

    Deductible Solutions

    Deductible options to give insureds more control over their annual premium costs.

    Separate AOP and Wind-Hail Deductibles


      Buildings and Business Personal Property

      • AOP – $2,500 (credit may apply for up to $25,000 deductible)
      • Competitive Wind / Hail Deductibles
      • Crime – $500
      • BI and Other Time Element: 72-hour waiting period


      General Liability Deductible – First Dollar Options

      • General Liability – Nil
      • Stop Gap Liability – Nil
      • Employment Benefits Liability – $1,000

      Submission Requirements

      We ask that submissions meet the minimum requirements below. 

      • Acord 125 Application
      • Additional Acord Applications (Corresponding to the Requested
        Line of Business)
      • Excel SOV
      • DENALI Supplemental Application
      • 3-Years Loss Runs or NKLL
      • Details Regarding Current Placement of Coverage

      Special Accommodations

      Property attributes that may require additional underwriting.


      • Risks in protection class 9 or 10 with limits exceeding $250,000
      • Any building older that 50 years (that has not had the heating, wiring
        and plumbing updated)
      • Older buildings with obsolete construction (historic buildings, etc.)
      • Building coverage on properties five stories or more
      • Earthquake or Flood
      • Risks in Tier One (if wind is requested)


      General Liability:

      • Insured with a single loss exceeding $100,000 in the past 5 years
      • Requests for coverage outside the primary scope of the program (liquor
        liability, pollution coverage, etc.)
      • Requests for per project or per location aggregates
      • Student Housing
      • Buildings undergoing renovations, whose costs exceed 50% of their
        insured values
      • Renovations other than cosmetic in nature (structural changes, roof
        replacement, utility-based, etc.)

      Generally Not Within Appetite

      The following Entity Types as Named Insureds:

      • Homeowners Associations
      • Condominium Owners Associations
      • Contractors
      • Real Estate Developers

      In addition:

      • No Publicly Traded Companies
      • Occupancy Level Less than 50% (except vacant risks that meet underwriting criteria)

      Buildings With:

      • Aluminum wiring that has not been remediated
      • Mobile home parks, campground, or community park exposures
      • Any industrial exposure
      • Swimming pools that have diving boards
      • Outdoor swimming pools that are not fenced with self-locking
      • Applicants that are in receivership or have declared bankruptcy
        within the last 2 years
      • Buildings that are owner occupied.

      Contact Us

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