Assault and battery, firearm-related incidents, sexual abuse, and animal attacks are serious risks often excluded by traditional insurance. With our program Angelus, Hartwell ensures these exposures are explicitly covered, protecting your investment and meeting lender requirements.
What is Angelus?
Our Protected Cell Angelus is a program designed for multifamily landlords and owners. Built on our trusted Protected Cell Captive structure, it focuses on Commercial General Liability tailored to multifamily properties facing increased insurer exclusions.
Who does is cover?
Angelus serves owners and managers of multifamily apartment communities (5+ units).
What can be covered?
It offers coverage for 4 key General Liability (GL) risks that are often excluded by the mainstream market — but can be required by mortgage lenders.
We cover these four risks only:
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Assault and battery
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Firearm-related incidents
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Sexual abuse
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Animal attacks
How does it work?
Each insured receives their own policy
Each insured as no shared liability or pooled risk
Each insured is automatically reinsured 100% into the Hartwell Reinsured Protected Cell
Each insured can rely on everything being managed by Hartwell
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