MiddleOak Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
MiddleOak Specialty is now focused on commercial habitational risks only (apartments and community associations) written on a BOP-style commercial package through A+ admitted carrier partners in a defined state footprint. GEOGRAPHIC / PROGRAM NOTES - Admitted program states (both Worlds Apart and CAPsure): AR, AZ, CT, DE, IA, ID, IL, IN, KY, MA, MD, ME, MI, MO, NC, NH, NJ, NY, NV, OH, OR, PA, SC, TN, UT, VA, VT, WA, WI. ([middleoakspecialty.com](https://www.middleoakspecialty.com/wp-content/uploads/sites/11/2022/12/MOS-WA-Apt-REF-Guides-2022-1.pdf)) - Program offered nationwide only within this filed state list; community associations with developer-owned units may have limited state eligibility. ([middleoakspecialty.com](https://www.middleoakspecialty.com/wp-content/uploads/sites/11/2022/12/MOS-CAP-Community-REFGuides-2022-1.pdf)) PREFERRED / TARGET BUSINESS - Habitational only; commercial habitational is the carrier’s sole business line. Targets professionally managed, well-maintained properties with strong loss experience. ([middleoakspecialty.com](https://www.middleoakspecialty.com/)) - Age of buildings: target is 30 years or newer; any year of construction acceptable if fully updated in last 30 years (roof, electrical, mechanicals, plumbing). ([middleoakspecialty.com](https://www.middleoakspecialty.com/wp-content/uploads/sites/11/2022/12/MOS-WA-Apt-REF-Guides-2022-1.pdf)) - Professional management: minimum 3+ years’ property management experience (5+ years for student housing in Worlds Apart). ([middleoakspecialty.com](https://www.middleoakspecialty.com/wp-content/uploads/sites/11/2022/12/MOS-WA-Apt-REF-Guides-2022-1.pdf)) - Occupancy: minimum 70% occupancy. ([middleoakspecialty.com](https://www.middleoakspecialty.com/wp-content/uploads/sites/11/2022/12/MOS-WA-Apt-REF-Guides-2022-1.pdf)) - Owner/manager proximity: owner or manager located within 25 miles of the property. ([middleoakspecialty.com](https://www.middleoakspecialty.com/wp-content/uploads/sites/11/2022/12/MOS-WA-Apt-REF-Guides-2022-1.pdf)) - Loss history: 5-year loss history should reflect well-managed and well-maintained properties (no frequency/severity issues). ([middleoakspecialty.com](https://www.middleoakspecialty.com/wp-content/uploads/sites/11/2022/12/MOS-WA-Apt-REF-Guides-2022-1.pdf)) LINE-SPECIFIC APPETITE 1) WORLDS APART – APARTMENTS - Eligible risks (11+ rental units): • Market-rate apartments. • Student housing: off-campus, privately owned, generally excluding freshmen and Greek housing (no fraternities/sororities). ([middleoakspecialty.com](https://www.middleoakspecialty.com/wp-content/uploads/sites/11/2022/12/MOS-WA-Apt-REF-Guides-2022-1.pdf)) • Affordable housing and tax credit properties. • Senior housing (independent living only). • Rental condos. • Mixed use with apartments plus office/mercantile components. 2) CAPsure – COMMUNITY ASSOCIATIONS - Eligible risks (11+ units): • Condominium associations. • Homeowners associations (HOAs). • Some mercantile/office exposures within the association may be eligible by referral to underwriting. ([middleoakspecialty.com](https://www.middleoakspecialty.com/wp-content/uploads/sites/11/2022/12/MOS-CAP-Community-REFGuides-2022-1.pdf)) KEY COVERAGE STRUCTURE - Written on a BOP form with no coinsurance provision. ([middleoakspecialty.com](https://www.middleoakspecialty.com/wp-content/uploads/sites/11/2022/12/MOS-WA-Apt-REF-Guides-2022-1.pdf)) - Property: Special Form including equipment breakdown. - Liability: comprehensive general liability including personal injury. - Optional "Worlds Apart Advantage" endorsement adds: • Business income 18 months ALS. • Aggregate per-location liability limits. • Extended business income 90 days. • Interior wind-driven rain. • Blanket coverage options and additional enhancements (for CAPsure also ordinance or law, water backup/sump overflow). ([middleoakspecialty.com](https://www.middleoakspecialty.com/wp-content/uploads/sites/11/2022/12/MOS-WA-Apt-REF-Guides-2022-1.pdf)) DISCOUNTS / RISK FEATURES THAT IMPROVE PRICING - Age of building credit. - 100% hard-wired smoke detection. - Automatic sprinkler systems (credit varies by state for associations). - Central station fire/burglar alarms. - Surveillance cameras. - Stove-top fire suppression devices. - Freeze alarms. - "Gut rehab" complete renovation. - Smoke-free incentives on apartments: 7% property premium credit for smoke-free; 3.5% for designated smoking areas (subject to underwriting rules). ([middleoakspecialty.com](https://www.middleoakspecialty.com/wp-content/uploads/sites/11/2022/12/MOS-WA-Apt-REF-Guides-2022-1.pdf)) RESTRICTED / DECLINED CLASSES AND CONDITIONS - Electrical and plumbing red flags (generally ineligible): • Less than 100-amp electrical service per unit. • Federal Pacific or Zinsco "Stab Lok" panels. • Aluminum wiring without proper updates. • Any remaining fuse boxes or knob-and-tube wiring. • Galvanized piping. ([middleoakspecialty.com](https://www.middleoakspecialty.com/wp-content/uploads/sites/11/2022/12/MOS-WA-Apt-REF-Guides-2022-1.pdf)) - Security exposures: • Armed security is ineligible unless it is a third-party vendor with appropriate contractual risk transfer; otherwise declined. ([middleoakspecialty.com](https://www.middleoakspecialty.com/wp-content/uploads/sites/11/2022/12/MOS-WA-Apt-REF-Guides-2022-1.pdf)) - Student housing balconies in Worlds Apart: • Balconies above the second story are ineligible unless they are flush with the building exterior; small protruding balconies may be eligible by specific underwriting referral. ([middleoakspecialty.com](https://www.middleoakspecialty.com/wp-content/uploads/sites/11/2022/12/MOS-WA-Apt-REF-Guides-2022-1.pdf)) - Associations with developer-owned units have limited state eligibility; must be reviewed with underwriting. ([middleoakspecialty.com](https://www.middleoakspecialty.com/wp-content/uploads/sites/11/2022/12/MOS-CAP-Community-REFGuides-2022-1.pdf)) - PDFs emphasize that the listed ineligible risks are only the most common examples; underwriters retain discretion and other conditions may trigger decline. ([middleoakspecialty.com](https://www.middleoakspecialty.com/wp-content/uploads/sites/11/2022/12/MOS-WA-Apt-REF-Guides-2022-1.pdf)) SUBMISSION REQUIREMENTS (BOTH PROGRAMS) - Fully completed ACORD applications. - MiddleOak Specialty program supplemental applications (apartment or community association forms as applicable). - Currently valued hard-copy loss runs for the past 5 years. - Statement of values by building, including complete COPE data (construction, occupancy, protection, exposure) for apartments. - For CAPsure, additional requirement when condo association is 15+ years old: recent financial statements and a long-range capital improvement plan. ([middleoakspecialty.com](https://www.middleoakspecialty.com/wp-content/uploads/sites/11/2022/12/MOS-WA-Apt-REF-Guides-2022-1.pdf)) BILLING / PREMIUM - Direct bill to insured. - 20% down payment required; remaining balance subject to carrier’s billing plan. ([middleoakspecialty.com](https://www.middleoakspecialty.com/wp-content/uploads/sites/11/2022/12/MOS-WA-Apt-REF-Guides-2022-1.pdf)) BROKER / PRODUCER NOTES - MiddleOak Specialty distributes exclusively through a select group of habitational-focused brokers; new agents typically must access the product through appointed franchise or wholesale brokerages (e.g., via Dauntless Specialty or MiddleOak Specialty’s brokerage access). ([middleoakspecialty.com](https://www.middleoakspecialty.com/)) - The "Access Our Brokerage" page is under construction; producers should use the "Get a Quote" workflow or contact service@middleoakspecialty.com for underwriting supplementals and brokerage access questions. ([middleoakspecialty.com](https://www.middleoakspecialty.com/our-products/)) - Reference guides and supplementals are explicitly marked "FOR BROKER/AGENT USE ONLY"; policy forms and endorsements control over marketing summaries, and all unusual or borderline risks should be discussed with the underwriter or sales manager before binding. ([middleoakspecialty.com](https://www.middleoakspecialty.com/wp-content/uploads/sites/11/2022/12/MOS-WA-Apt-REF-Guides-2022-1.pdf))