Apartment / Condo / Dwelling Supplement
Used for apartments, dwellings, condos, and other habitational risks to document occupancy characteristics, amenities, security, and liability exposures.
Habitational Insurance Inspections
Inspection reports for apartments, condos, dwellings, and multifamily properties built for carriers, MGAs, agents, and underwriters.
Detailed Property Review
Comprehensive evaluation of building features, security, amenities, and exposures.
Common Area & Amenity Exposure
We identify liability and safety risks in shared and recreational areas.
Underwriter-Focused Reports
Clear, consistent reporting designed to support confident underwriting decisions.
Fast Turnaround
Timely delivery so you can move quickly and meet your deadlines.
Which Supplements May Apply?
Habitational risks may include an apartment, dwelling, or condo supplement, a lessors risk supplement, and any additional exposure-specific supplements needed for amenities or property-specific hazards.
Lessors Risk Supplement
Used when tenant occupancy and building owner exposures must be documented, including tenant mix, hours of operation, certificates of insurance, and common area responsibilities.
Additional Exposure-Specific Supplements
TFS may also activate pertinent supplemental questions for exposures such as swimming pools, playgrounds, exercise facilities, docks, ponds, or other property-specific amenities.
What We Review in Habitational Risks
- Assisted living exposure
- Student housing exposure
- Building security
- Major renovations planned
- Description of major renovation plans
- Snow and ice removal procedures
- Playground equipment
- Playground type confirmation
- Playground safety signage
- Equipment securely anchored
- Impact-absorbing material under and around play equipment
- Maximum height of playground equipment
- Fully fenced playground areas
- Exercise facilities
- Exercise facility maintenance plan
- Whether exercise machinery is bolted
- Whether free-standing weights are present
- Exercise facility safety signage
- Who has access to exercise facilities
- Lakes, ponds, beaches, docks, or piers
- Water exposure maintenance plan and signage
- Pets allowed
- Known aggressive breeds on premises
- Grills allowed on balconies
What We Review in Lessors Risk
- List of tenants
- Tenant occupancy type
- Residential tenant exposure
- Certificates of insurance obtained from tenants
- Whether building owner is named as additional insured on tenant policies
- Average hours of operation of tenants
- Tenants with 24-hour operations
- Responsibility for housekeeping and common area maintenance
- Overall tenant exposure and building owner controls
Additional Supplements May Apply
Depending on the property, TFS may activate supplemental questions for specific amenities or exposures that can materially affect underwriting.
Swimming Pools
Pool areas, fencing, signage, maintenance, and liability controls.
Playgrounds
Equipment type, anchoring, signage, fencing, and surface materials.
Exercise Facilities
Maintenance, access, free weights, bolted equipment, and safety signage.
Water Exposure
Lakes, ponds, beaches, docks, piers, signage, and access controls.
Property-Specific Amenities
Other exposures that may affect premises liability or property risk.
Why It Matters for Underwriting
Confirms occupancy and tenant exposure
Documents who occupies the property and how the space is used.
Identifies premises liability concerns
Highlights risks in shared spaces, exterior areas, amenities, and tenant operations.
Reviews amenities and shared-area risks
Captures pools, playgrounds, fitness rooms, water exposure, and common areas.
Documents security and maintenance controls
Reviews security, housekeeping, maintenance responsibilities, and risk controls.
Supports better property and liability underwriting decisions
Provides underwriters with clearer information to evaluate the account.