Property
Replacement cost
Building coverage with realistic valuations, wind and water deductibles explained, and roof schedules reviewed before renewal season.
Specialty Program
Insurance for apartment and multifamily owners.
Apartment buildings, multifamily portfolios, HOAs, and residential landlords operate in one of the toughest insurance markets. Fortwell knows which carriers are still writing it and how to get you quoted.
Coverage for habitational
Property, liability, and rents — structured for residential risk.
General Liability
$1M / $2M
Tenant and guest injury exposure, including habitability, assault and battery, and animal liability terms that vary sharply by carrier.
Loss of Rents
12-24 months
Rental income protection with a period of restoration long enough to survive today's permitting and rebuild timelines.
Umbrella / Excess
$5M+
Excess limits above liability, often required by lenders on multifamily debt and by institutional equity partners.
Ordinance or Law
Scheduled
Coverage for the code-upgrade costs that older residential buildings almost always trigger after a significant loss.
Owners' Association / HOA
Program specific
Master property, D&O, fidelity, and fiduciary coverage for condo and homeowner associations and their boards.
Limits and terms are tailored to each operation, contract, and state. We confirm coverage requirements before binding so certificates are accepted on day one.
Why owners work with us
Placement in a market that says no by default.
01
We know this market is hard
Habitational risk has tightened everywhere. We know which markets are still writing, and how a submission must be presented to earn a quote.
02
Exclusions read line by line
Assault and battery, habitability, and animal exclusions decide whether a claim is paid. We show you exactly what is and isn't covered.
03
Tenant and vendor compliance
Contractor certificate tracking and renter's insurance requirements that reduce claims frequency and hold pricing down at renewal.
Claims, Risk & Advisory
We don't just place coverage — we help you use it.
Our team works beside you before, during, and after a loss. From certificate compliance to claims advocacy and contract review, we turn insurance into a practical business tool.
Claims Advocacy
When a loss happens, we manage the notice, coordinate with adjusters, and push for accurate reserves. Our goal is to protect your experience modification and keep your business running.
Learn moreRisk Management & Consulting
We review contracts, certificates, and owner-controlled insurance programs before work starts. Our consulting helps you negotiate better terms, close gaps, and reduce exposures before they become claims.
Learn moreCertificates & Compliance
Same-day certificates of insurance, additional insured endorsements, and subcontractor compliance tracking that keeps your job sites and contracts moving without delay.
Learn moreBonds
Contract, commercial, and license bonds placed with surety markets that understand contractors and growing businesses. We package financials so you can bid and bond with confidence.
Learn more