Freeze damage, liability, and loss of income coverage built for Illinois multi-unit property owners.
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Parm will personally call you within 2 hours with your custom quote and coverage comparison.
Illinois apartment owners face brutal freeze-thaw cycles, aggressive slip-and-fall litigation, and some of the highest property tax burdens in the nation. We build policies that actually protect your investment.
We shop 20+ carriers to find you the best rate and coverage.
See exactly what each policy covers — no fine print surprises.
Parm Johal handles your account personally. One call, one person.
We understand Illinois — RLTO requirements, Cook County litigation trends, and the winter damage cycle that drives up premiums every year.
Frozen pipes, ice dams, and roof collapses from snow load. We ensure your policy covers the full repair cost plus lost rental income during the rebuild.
Chicago's Residential Landlord Tenant Ordinance creates unique liability exposure. Our policies include regulatory defense costs and wrongful eviction coverage.
Own 2, 5, or 50 buildings? We structure portfolio policies that save you money with blanket coverage across all your Illinois properties.