All Risks, Ltd. Launches Habex - A Proprietary Habitational Facility

FT. LAUDERDALE, FL (April 9, 2020) – All Risks, Ltd. has partnered with several A.M. Best “A IX” or better-rated carriers to launch Habex, a proprietary facility providing our in-house producers with exclusive access to designated capacity for habitational General Liability and non-catastrophe exposed Property risks.  Habex offers Package, Monoline GL and Monoline Property for habitational risks including apartment buildings, condominiums, co-ops, townhomes, and offices with minimum premium as low as $10,000.

General Liability limits are $1 million per occurrence and $2 million aggregate with first-dollar defense.  Optional coverage includes Hired and Non-Owned Auto and Employee Benefits Liability.

Property limits will vary from $3.5 million on non-sprinklered frame structures to up to $15 million for joisted masonry or better construction.  Additional Property coverage options include Business Income, Extra Expense, Ordinance or Law, Additional Property Enhancement, and Discharge from Sewer.

Habex is available in 17 states:

  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Maine
  • Maryland
  • Massachusetts
  • New Hampshire
  • New Jersey
  • New York (silent on lead, admitted paper if risk qualifies)
  • North Carolina
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Vermont
  • Virginia
  • Washington, DC

Habitational rates are influenced by location, exposure, losses, as well as other criteria.  Approaching the right markets with the right risks matters now more than ever.  Consult with a local All Risks Specialist to determine if Habex is a fit for your habitational accounts.

All Risks, Ltd. is the largest independent insurance wholesaler serving retail insurance agents and brokers nationwide.  This innovative team delivers comprehensive specialty commercial and personal lines solutions through a full-service platform of quality brokerage markets, quick in-house binding authority, exclusive national programs and easy-to-use online technology.  Based in Hunt Valley, Maryland, the 55-year-old firm employs 875 staff members in 27 offices around the country.  To learn more, please visit

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Legal Disclaimer: Views expressed here do not constitute legal advice. The information contained herein is for general guidance of matter only and not for the purpose of providing legal advice. Discussion of insurance policy language is descriptive only. Every policy has different policy language. Coverage afforded under any insurance policy issued is subject to individual policy terms and conditions. Please refer to your policy for the actual language.