Commercial Residential Insurance
Our customizable product is designed for the unique needs of commercial residential property owners in Florida, South Carolina, and Texas.
Specializing in Insuring Apartment Complexes and Condominium Associations
Our customizable product is designed for the unique needs of commercial residential apartment owners in Florida and apartment and condominium owners in South Carolina and Texas.
Key coverages include: Agreed Value, Business Income, Equipment Breakdown, Increased Building Ordinance or Law and Earthquake and Terrorism (South Carolina and Texas only)
Underwriting Flexibility for Property Owners
We make it easy for Florida, South Carolina, and Texas property owners to do business with us.
We cover:
Florida
- “Class A” apartments, 1970 and newer
- Total insured value (TIV) target $5 to $50 million
- Multiple deductible options for all other perils (AOP), wind, and sinkhole
- Better roofs, 2004 and newer
- Best-in-class updates
South Carolina and Texas
- Wood Frame eligible to the coastline
- Total insured value (TIV) target $5 to $50 million
- Multiple deductible options for all other perils (AOP) and Named Storm wind including calendar year deductibles
Coverage Extensions:
- Wind Driven Rain
- Backup of Sewers and Drains
- Fungus, Wet Rot, Dry Rot, and Bacteria
- Pollutant Clean-Up and Removal
- Account Receivable
- Outdoor Property (Florida only)
- Tree-Shrubs (South Carolina and Texas only)
- Property Within Condo Units - All-In Endorsement (South Carolina and Texas only)
- Enhanced Replacement Cost (South Carolina and Texas only)
Efficient Property Insurance Claims
With every claim, our goals are prompt restoration of property and high customer satisfaction. Here’s how we make that happen:
- Claims are primarily handled by UPC associates, with every decision made by UPC claims management
- Policyholders may use any contractor service of their choice
- Claims can be reported online 24/7 through the Journey Report a Claim form or by contacting your agent
Our Partners
The commercial products are available from selected wholesalers and retailers through our partners, AmRisc for Florida and ICAT for South Carolina and Texas.
About UPC Insurance
Journey is proudly part of the UPC Insurance family of companies. UPC Insurance is:
- The 19th largest writer of homeowners insurance nationally
- Publicly traded on the NASDAQ (UIHC)
- Writing in coastal states since 1999
- Licensed in 18 states and writing in 11 states