preferred Classifications

Protection for apartment buildings, business personal property and associated liability exposures.

Target Market: Apartment complexes with valuation up to $5,000,000 per building, 6 stories, $15,000,000 Total Insured Value, and 15 locations per policy.

Frederick Mutual Secure Advantage™ Enhancement Endorsement Highlights:

  • Water Backup & Sump Overflow $50,000
  • Newly Acquired Buildings $500,000
  • Tenant Move-Back Expenses $25,000
  • Money Orders and Counterfeit Money $10,000
  • Outdoor Property coverage for trees, shrubs, and plants $15,000 / $2,500

Included Coverage Highlight:

  • Lock Replacement $2,500

(Frederick Mutual Secure Plus™ Enhancement Endorsement is also available for alternate coverage options and increased limits above base form).

**As an added benefit, FMIC offers Equipment Breakdown with Electronic Circuitry Impairment underwritten by The Hartford Steam Boiler Inspection and Insurance Company. Ask your Underwriter about adding this coverage for your Apartment policyholders!