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Non-Owner Occupied

My building, that I do not occupy 51% or more of is occupied by the following Tenant type:

5 or more apartments – Excellent! We are particularly good at finding policies that satisfy owners of apartment buildings. In fact there are special policies and programs available from many insurers we work with. Follow this path for more information or contact us now saying “I have an apartment building I want insurance on.” You can contact us at 607-843-8860 or insurance@drickardinsurance.com.

Student housing occupies my building – It is hard to find companies that want to write Student housing. Not to worry several of the insurance companies we work with want to insure this type of residential property. Ask us for student housing insurance online at insurance@drickardinsurance.com or call 607-843-8860. Follow this link for more details.

Some apartments and retail stores, offices, or other business – Ta da! You need mixed occupancy insurance. That should not be a problem. We will need some more information, so let consider your options down this path.

All Retail Occupancies – You need retail plaza insurance. This type of insurance seems to be getting harder to find for a variety of reasons. Likely you can find help with us. Please examine your options here.

Manufacturing – For the many types of manufacturing risks special insurance may be needed follow this path for more information or call 607-843-8860 if you would rather you may email us insurance@drickardinsurance.com.

A religious organization is my tenant – We have house of worship and support service insurance policies available. Please let us help you 607-843-8860 or insurance@drickardinsurance.com for more information follow this path.

A Food Service business is a tenant – We have insurance products for landlords leasing to many types of restaurants, take-aways, bakeries, food manufacturing and wholesalers. Follow this path for more information or simply call or email us with the details of your needs. You can contact us at 607-843-8860 or insurance@drickardinsurance.com.

Other – After all of this we still have not identified your tenant? Please call us for insurance because we like new and challenging things. Even though we sell many hard to place insurance types we are always happy to find something new so please reach out to us and expand our horizons. Chances are we already have the product you are looking for but refer to it differently than you do. You can contact us at 607-843-8860 or insurance@drickardinsurance.com.


Our “What do I need?” wizard is designed for general guidance only and not a substitute for consultation with a licensed insurance agent or broker at DRickard Insurance. They may be contacted at 607-843-8860 or insurance@drickardinsurance.com. All policies must comply with individual insurer’s underwriting standard to be eligible for their insurance products. Not all terms used are available with all insurers. None of the information is to be considered an offer or description of coverage. All of our web pages are for general guidance only, no information contained is contractual. You must consider your individual policies carefully.