Student Housing Insurance Program
Your Student Housing Insurance Solution
At Conifer Insurance Services, we know that property owners, associations, and developers face complex risks, and we’re here to help. Our experienced team delivers customized habitational insurance solutions that go beyond the basics.
Our Student Housing Program is designed for seasoned property owners who operate well-maintained, privately owned off-campus housing for college students. Often family-run, these businesses reflect our commitment to thoughtful underwriting and building long-term partnerships.
Student Housing Insurance Program
PROGRAM HIGHLIGHTS
- Carrier A.M. Best A- (Excellent)
- Available Nationwide (Excl. FL)
- Admitted & Excess & Surplus (State Specific)
- Attestation Forms Provided (Michigan)
- New Ventures Considered
LIABILITY
- General Liability: Up to $1M / $2M
- Personal & Advertising Injury: $1M
- Damaged to Premises Rented to you: $100,000
- Products/Completed Ops: $2,000,000
PROPERTY
- Property: Up to $10M per location
- Buildings
- Business Personal Property
- Business Income (ALS)
- Equipment Breakdown
- Ordinance & Law
- Special Perils
- Property Extension Endorsement
Commercial Auto
- Hired & Non-Owned: Up to $1M
Ready to have your Student Housing insured?
Target Classes
The student housing market faces distinctive risks that demand specialized insurance solutions. From property damage and tenant liability to security concerns and regulatory compliance, owners and operators must protect against a wide range of exposures. As campuses expand and housing models evolve, tailored coverage is essential to safeguard investments, minimize disruptions, and ensure long-term stability.
Insuring Fine Dining & Family Restaurants
Having liquor liability insurance is a critical — and depending on the state, required — safety measure to mitigate the risks that are borne for restaurants that serve alcohol. In many cases, it’s needed in order to secure a liquor license. Some states also have dram shop laws, which are in place to hold businesses accountable for the actions of customers who are intoxicated and injures someone else or damages property. This could also include if a patron who became intoxicated at your establishment gets into a car accident or assaults another patron.
Tailored Coverage for Fine Dining & Family Restaurants
There are many different types of insurance for Fine Dining & Family Restaurants, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Insurancing Bars, Taverns, Pubs, & Cocktail Lounges
Every time that your tavern or lounge serves a drink, a risk is absorbed. Often a requirement, liquor liability insurance will help cover costs wrought from accidents, including injuries to patrons. Given its’ unpredictable effects on patrons, owners risk facing countless unforeseen scenarios, including serving a minor with a fake ID, slip and falls, damaged property, or serving a customer who drives intoxicated and gets into an accident.
Tailored Coverage for Bars, Taverns, Pubs, & Cocktail Lounges
There are many different types of insurance for Bars, Taverns, Pubs, & Cocktail Lounges, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Insuring Grocery & Convenience Stores
Our team has extensive experience underwriting policies for small to large sized independent supermarkets, grocery stores and convenience stores. Our coverage solutions are developed in conjunction with value-added risk engineering support and top claims service. We are driven to help our clients mitigate losses to lower their exposures and protect their business, staff, customers, community and good standing.
Tailored Coverage for Grocery & Convenience Stores
There are many different types of insurance for Grocery & Convenience Stores, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Submissions & Downloads
SUBMISSION REQUIREMENTS
Completed applications and loss runs can be sent to CommercialLines@ConiferInsurance.com
MARKETING
Frequently Asked Questions for Student Housing Insurance
Owning a rental property comes with unique insurance needs, especially when your tenants are college students. Traditional homeowners insurance typically does not cover rental risks, and while landlord insurance helps, it may not be the best fit for short-term or frequently changing tenants.
That’s where specialty dwelling insurance comes in. Designed for flexibility, it offers the proper protection for properties where you’re not the primary resident, helping safeguard your investment from increased risks of damage.
Off-campus student housing comes in many forms, including single-family homes, multi-family units, apartment buildings, garden-style complexes, boarding houses, and more. Regardless of the setup, the first step is to secure the proper protection.
Start with commercial property insurance to cover your building and any contents you provide, like appliances or furniture. Pair it with general liability insurance to protect yourself in case of bodily injury or property damage claims involving others.
Ready to Help
Conifer Insurance partners with independent agents to provide specialized coverage for niche markets, offering personalized support and underwriting expertise. If you’re interested in becoming an agent or need a customized insurance quote, Conifer makes the process simple and efficient—delivering tailored solutions to fit your unique needs.