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.
Assault and Battery
Firearms-Related Incidents
Sexual Abuse & Molestation
Dog Bite / Animal Attack
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
Timelines and Processes
1. Discussion
Contact us directly via email or phone to discuss your requirements.
2. Underwriting
Clients provide underwriting data; focus is exclusively on required GL risks.
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3. Firm Order & Set Up
Participation is streamlined; Hartwell handles all administration.
4. Policy Issuance
Hartwell issues GL policies, delivering rapid solutions.
Client signs and returns management and participation agreements.
5. Claims
Managed by our trusted third-party administrators.