ePremium Insurance Agency, LLC
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
ePremium Insurance Agency, LLC is a program-focused agency providing renters insurance, tenant legal liability / master liability, and a security deposit alternative (eDeposit) primarily for multifamily and single-family rental properties nationwide. It operates as a licensed agency in all 50 states and places coverage with various insurers, rather than acting as the carrier itself. As of this refresh, ePremium does not publish a detailed public underwriting or risk-appetite manual; available guidance is program- and partner‑oriented. Preferred / target business: - Residential rental risk only: programs are built for long-term rental housing (multifamily communities and single-family rental portfolios), not owner-occupied homeowners or commercial-only risks. - Properties where renters insurance is mandated via lease and integrated with ePremium’s IRIS certificate-tracking platform; ePremium explicitly promotes mandating renters insurance and using its web-based solution for compliance and risk mitigation. - Communities seeking enhanced resident-caused damage coverage and liability protection, including master/tenant legal liability programs coordinated for property managers. - Partners with large or professionally managed portfolios: marketing emphasizes coverage for over 2 million units and “programs built by the residential rental industry for the residential rental industry,” signaling focus on institutional or professional property managers rather than small, one-off landlords. Restricted / declined business (implied from positioning): - Non-residential risks (e.g., stand‑alone commercial, industrial, or office exposures) are outside scope. - Owner-occupied standalone homeowners, condo, or personal lines not tied to a rental context are not targeted by ePremium-branded programs. - Short‑term vacation rentals, hospitality, or transient lodging are not described in product materials and should be treated as outside normal appetite unless a specific program is negotiated with ePremium or its underwriters. - eDeposit is only available at participating partner communities, and is not a general surety or standalone deposit bond for non-partner landlords. Geographic notes: - ePremium is licensed in all 50 states; property management marketing materials and corporate site state nationwide capability for rental programs. Coverage availability and specific underwriters may vary by state and by product. Some products or enhancements may not be available in every jurisdiction; materials note that products, rates, and discounts are subject to change and approval. Submission & program setup expectations (for property managers/brokers): - ePremium positions itself as a program partner rather than a transactional quote market; property managers are expected to schedule a call or demo to implement a renters insurance, master liability, or deposit alternative program across their portfolio. - The primary workflow is integration with ePremium’s IRIS platform for tracking renter policies and enforcing mandatory insurance requirements; property managers use IRIS to monitor compliance and manage residents’ proof of insurance. - Residents generally enroll online via ePremium’s website using their ZIP code or community-specific links provided by the landlord or property manager; coverage is pre-configured to meet that community’s lease requirements. - For eDeposit, a resident must purchase a qualifying renters or renter liability policy through ePremium before the deposit alternative is available; the deposit alternative fee is a one-time, nonrefundable charge and is collected and administered at the community level. Broker / producer notes: - ePremium functions as the program administrator/agency; the public-facing broker page highlights that it offers renters, tenant legal liability, and deposit replacement solutions to brokers and property managers but does not publish line-by-line underwriting criteria. - Prospective brokers or partners are encouraged to contact ePremium to structure programs rather than submit one-off risks. Expect program-level discussions covering community profile, unit count, geography, and desired risk-transfer features (renters insurance mandate, master liability, deposit alternative). - Policy forms, specific coverage limits, and underwriting questions are driven by the underlying carrier partners and the standardized program design; producers should not expect extensive a la carte customization outside approved program parameters. Operational takeaway: treat ePremium as a specialized renters/tenant liability program administrator for residential rental portfolios. There is no public, granular underwriting guide (e.g., dog-breed exclusions, age-of-building limits) to rely on; those details are embedded in specific carrier program documents and lease/program agreements. For any account outside standard multifamily or single‑family rental portfolios with mandatory renters insurance and interest in deposit alternatives or master liability, assume the risk is non‑target and seek direct clarification from ePremium or the underlying carrier before submission.