Commercial Insurance · Windsor-Essex
Apartment Building Insurance
Apartment building insurance is for multi-unit residential buildings insured as commercial property programs — walk-ups, mid-rises, and similar rental apartments in Windsor-Essex and across Ontario. It covers commercial building ownership and multi-unit residential operations, not personal landlord insurance for a single rented house or duplex. Habitational underwriting, life-safety systems, and rental-income exposures differ from office or retail landlord risks. Terms vary by construction and claims history; coverage is not guaranteed.
For Windsor–Essex and Ontario owners of multi-unit apartment buildings insured on commercial habitational programs — not personal landlords of single rented dwellings. For houses and duplexes, use Residential Landlord. For commercial tenants only, see Commercial Landlord. Condo corporations have a separate page.
What's covered
Coverages commonly reviewed for multi-unit residential buildings placed as commercial habitational property programs — distinct from personal residential landlord policies.
Habitational construction and protection classes drive property underwriting: Wood-frame walk-ups, sprinklered mid-rises, and older converted buildings underwrite differently. Unit interior responsibilities vs landlord common property should match leases and bylaws where applicable.
Habitational construction and protection classes drive property underwriting
Wood-frame walk-ups, sprinklered mid-rises, and older converted buildings underwrite differently. Unit interior responsibilities vs landlord common property should match leases and bylaws where applicable.
Practical considerations
The Premium difference
Why a broker?
One relationship. Multiple markets. Coverage explained in plain language.
- 1
Your operation
Your industry, locations, and how the business actually runs day to day.
- 2
Multiple insurance markets
Independent access to commercial carriers — options compared side by side.
- 3
Premium broker
Windsor-Essex guidance that translates policy wording into decisions.
- 4
Right-fit coverage
Protection aligned to your operations — not generic off-the-shelf limits.
A lot to protect? Good thing we have options.
One policy is rarely the whole picture. Explore other commercial coverage from Premium.
Apartment building insurance FAQ
Straight answers to common questions.
Usually no. Personal rented dwellings belong on Residential Landlord insurance. This page is for multi-unit apartment buildings as commercial programs.
Ready when you are
Own a multi-unit apartment building?
Share unit count, construction, and life-safety systems — we will review commercial habitational options that may fit. Not for personal single-dwelling rentals; coverage is not guaranteed.