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Melton & Co Risk Management | Insurance & Work Comp Advisory

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Multifamily Insurance Program

Insurance Built for 25+ Unit Multifamily Properties

Whether you own a 25-unit building or a 400-unit institutional-grade asset, you need an insurance partner who understands how multifamily is actually underwritten — not a generalist who treats apartments like any other commercial property.

We specialize in market-rate multifamily, from small regional owners to institutional investors with professionally managed assets.

Who This Program Is For

  • 25+ unit apartment buildings
  • Garden-style, mid-rise, and low- and high-rise complexes
  • Market-rate multifamily
  • Regional owners, family offices, and institutional investors
  • Owners with 1 property or full portfolios
  • Out-of-state investors needing a Midwest specialist

Coverage For

Property · General Liability · Umbrella · Equipment Breakdown · Ordinance & Law · Loss of Rents / Business Income · Crime · Cyber · Workers’ Comp

Why Multifamily Owners Choose This Program

Specialized Underwriting Expertise
We know exactly what carriers want for 25+ unit multifamily properties.

Better Valuations
Avoid inflated replacement costs and unnecessary premium.

Renewal-Based Strategy
We track your cycle and negotiate proactively — not reactively.

Carrier Access
Strong relationships with multifamily-focused markets.

Our Process

Step 1: Review your current program.
Step 2: Identify valuation issues, missing coverages, and overcharges.
Step 3: Benchmark against similar buildings in your region.
Step 4: Build a corrected program.
Step 5: Use a BOR to move the account cleanly and quickly.

When to Contact Us

  • Your renewal jumped
  • You’re buying or refinancing a property
  • You want a specialist who understands multifamily underwriting
  • You want a second opinion before renewal
  • You need a Midwest placement partner

Start Your Risk Review

Let's Review Your Multifamily Program

I’ll show you exactly where you can improve coverage, reduce volatility, and stabilize your renewals — whether you own 25 units or 2,500.