THE HABITATIONAL PROGRAM
Property and Casualty Insurance Exclusively for Apartments, Condo's, and Co-ops
 

The Solution
Our Habitational Program was designed exclusively for apartments, condos, and co-ops.

The Team

In business since 1971, Creative Agency Group, located in Holmdel, New Jersey,
is the Program Administrator for The Habitational Program. Creative has been successfully   providing insurance products for habitational properties for over 35 years.

As your local real estate insurance specialist, our focus is to accurately assess your exposures and present you with cost effective solutions to safeguard your properties.

We have teamed up with "A" rated (excellent) carriers to develop this exclusive program.

Let Creative work together with you to provide the superior coverage's, preferred pricing, and services 
necessary to properly insure your Habitational property.

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BENEFITS

Exclusive Advantages

• Specifically designed for Apartments, Condos & Co-ops

• Custom designed coverage

• Preferred pricing

• Specialized loss control services

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Property Coverage's

• Real Property - No Coinsurance

• Rental Income

• Building Ordinance

• Flood / Earthquake

• Equipment Breakdown

• Off premises Utility Failure

• Crime

• Accounts Receivable

• Valuable Papers

• Sewer & Drain Backup / Underground Water

• Debris Removal

• Outdoor Property

Liability Coverage's

• Enhanced Comprehensive General Liability

• Per Location Aggregate Endorsement

• Hired & Non-owned Auto Liability

• Medical Payments

• Employee Benefits Liability

• Personal Injury

• Advertising Injury

• Lead Paint (Must Qualify)

Additional Coverage's

• Umbrella Liability

• Directors & Officers Liability

• Tenants Discrimination

• Property Managers Errors & Omissions

• Employment Practices Liability Insurance

• Commercial Automobile

• Workers Compensation

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Jonathan E. Aber
Senior Vice President
Program Director
(800) 888-8381 Telephone
(732) 858-8017 Direct Fax
jaber@creativeagency.com