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The Premium Insurance Program for Apartment and Condominium Clients. We Protect Every Aspect of Apartment and Condominium Association and Cooperative Clients in the Northeast, Southern and Western Insurance Markets.
Your apartment, condominium association and cooperative clients need comprehensive protection from a wide variety of potential losses, and we offer coverage for virtually all of those loss types in one convenient package. Our package protects the Property, General Liability, Equipment Breakdown, Crime and Auto exposures that your clients face each day. All of Allied World’s insurance and reinsurance subsidiaries are rated (A) Excellent XV by A.M. Best, (A) by Standard & Poor’s and (A2) by Moody’s. We Protect Every Aspect of Apartment and Condominium Association and Cooperative Clients. Brokers turn to this premium program for apartment and condo clients who demand broad coverage, attentive claims service and competitive rates.

Backed by an A+ Rating from A.M. Best, this apartment and condo insurance program brings you complete protection, without the hassles of dealing with multiple program administrators and the waste of overlapping coverage. No other apartment and condominium insurance program on the market today offers the financial strength, breadth of coverage and stability of pricing that are the hallmarks of Walnut Advisory.

The Apartment & Condominium Program accepts a wide range of Apartment/Condominium risks, including condominium associations, apartment complexes, town homes, homeowners associations, multi-family dwellings and cooperatives. The program covers risks ranging in size from multi-unit frame dwellings to fifty story fire resistive condominium towers, and it competes favorably with the best carriers in the class.

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Program Highlights


The Apartment & Condo Program writes apartment complexes, condominium associations and cooperatives in the Continental U.S.. The Apartment & Condo Program targets class A&B real estate properties in better quality neighborhoods. An array of construction types and ages are acceptable (buildings older than 25 years must be fully updated). Frame construction must be sprinklered, unless the buildings are small (8 units or less). Underwriting emphasis for this program is on quality of neighborhood, build, overall property management, security, house & grounds keeping, facilities and maintenance.

The benefits of this premium insurance program tailored to condominium and apartment complexes in the northeast, southern and western market include:

  • Program Territory Extends Throughout Continental U.S..
  • Commercial Pkg. Policy, including Property, GL, Crime, Equip Breakdown and HNOA.
  • Replacement Cost Coverage Provided.
  • Optional Agreed Amount Valuation Basis is Available.
  • Optional Blanketed Values Coverage is Available.
  • Aggressive Wind Guidelines on Atlantic and Gulf Coasts.
  • Flood & Quake In Non-Critical Zones.
  • Non-Affiliated Student Housing.
  • Independent Elderly Housing (Assisted Living Property Only).
  • Unique Enhancement Endorsement.
  • Assault & Battery and Abuse & Molestation Coverage.
  • Ordinance or Law Coverage.





Competitive Advantage


The Walnut Advisory Corporation is a nationally respected niche Managing General Underwriter with a high degree of specialization in well-defined niche segments of the North American Property/Casualty Insurance Industry. As Walnut continues to grow and build its customer base, it seeks to expand its offerings to better fill its customers’ needs. Walnut partners exclusively with the strongest carriers and brands in the industry.

The Brands of The Select Group, Old South and Western Prairie tailor products, services and offerings to brokers in the northeast, southern and western markets through the The Apartment & Condo, Hotel & Motel and Lawyer Liability Programs, to enable insurance brokers to increase writings through the knowledge, financial strength and market presence of The Walnut Advisory Corporation. To give our clients the highest quality coverage possible, The Walnut Advisory only works with insurance carriers that are capitalized to at least $1 billion and rated A+ or A by the A.M. Best Company. Each carrier represents different levels of risk and service, allowing us to provide a well-rounded portfolio of product offerings. Walnut’s focus in program business requires an adherence to underwriting profitability and a bottom line philosophical rationale. This group of underwriters works within that philosophy each and every day. Ariel Hessing’s focus on changing Walnut into a full niche Managing General Underwriter allowed the agency to change with the industry itself, which has seen the emergence of a very strong and growing MGU segment.

Key Staff


The Walnut Advisory Corporation has assembled a highly praised, robust underwriting team over the last ten years under the direction of Ariel Hessing. Walnut’s focus in program business requires an adherence to underwriting profitability and a bottom line philosophical rationale. This group of underwriters works within that philosophy each and every day. Ariel Hessing’s focus on changing Walnut into a full niche Managing General Underwriter allowed the agency to change with the industry itself, which has seen the emergence of a very strong and growing MGU segment. The industry’s use of new technology and analysis of big data have contributed to this emergence, and Walnut has taken advantage of these innovations to narrow its focus to profitable niches where they have expertise. Walnut Advisory has operated in the ‘Residential Real Estate Multi-Unit Habitational’ and ‘Limited Service Hotel’ classes for twelve years, having served the last ten years as a ‘Managing General Underwriter’ and ‘Program Administrator’ for these classes of business.

Ariel Hessing, Current Owner & Chief Executive Officer:
Ariel Hessing earned a Bachelor of Business Administration degree from St. John’s College of Insurance and later a JD degree from New York University. For six years, Ariel worked for The Hartford Insurance Company, underwriting large property, and then for seven years for The Travelers, underwriting various lines of insurance for Fortune 500 Companies. After attending law school, Ariel worked for a defense litigation law firm in Roseland New Jersey from 2002 to 2004. In late 2004, Ariel joined The Walnut Advisory Corporation and began to steer Walnut Advisory in the direction of program business, principally for commercial real estate and lawyers professional liability lines.

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apartment and condo insurance program from select group brand
The Apartment & Condo Program is available in the Northeast through the Select Group Brand. The Select Group Brand is backed by A.M. Best (A+) Rated Security, and with responsive service and expedient claims handling, The Select Group Brand is the brand of choice for quality retail and wholesale insurance brokers in the northeast, through it's offerings of comprehensive products, services and programs tailored to the needs of the northeast insurance market.
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Tailored to the Northeast Market, The Select Group Brand offers the
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apartment and condo insurance program from the old south brand
The Apartment & Condo Program is available in the Southern Market through The Old South Brand. Tailored to the southern insurance market, The Old South Brand delivers products and services tailored to the needs of the brokers, business owners and attorneys by providing comprehensive Programs that enable insurance brokers to increase writings and build their books of business, through the Knowledge, Financial Strength and Market Presence of The Walnut Advisory Corporation.
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Tailored to the Southern Market, The Old South Brand offers the
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apartment and condo insurance program from the western prairie brand
Available through The Western Prairie Brand, The Apartment & Condo Program is tailored to the Western Market. The Western Prairie Brand is backed by (A+) XV Superior Rated U.S. Domestic Insurance Companies, giving it the strongest backing in the nation. With strong security, responsive service and expedient claims handling, The Western Prairie Brand has become the Brand of choice for western retail brokers.
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Tailored to the Western Market, The Western Prairie Brand offers the
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The Programs of Walnut Advisory... Broad coverage, attentive claims service and competitive rates. Brokers turn to these premium programs for clients who demand broad coverage, attentive claims service and competitive rates. The Apartment & Condo, Hotel & Motel and Lawyer Liability Programs by The Walnut Advisory Corporation are tailored to clients in the northeast, southern and western regions, tempered by 44 years of insurance advisory experience.

No other programs on the market offer the financial strength, breadth of coverage and stability of pricing that are the hallmarks of the Programs and Brands of The Walnut Advisory Corporation. It’s complete protection without the hassles of dealing with multiple program administrators and the waste of overlapping coverage.
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Programs tailored to the Northeast, Southern and Western Markets


insurance carriers walnut advisory corporation
The Perspective Gained Through Working with Nothing Less-Than an A Rating. To give our clients the highest quality coverage possible, The Walnut Advisory only works with insurance carriers that are capitalized to at least $1 billion and rated A+ or A by the A.M. Best Company. Each carrier represents different levels of risk and service, allowing us to provide a well-rounded portfolio of product offerings.

Backing the Apartment & Condo, Hotel & Motel and Lawyer Liability Programs, our carriers include: Allied World Assurance Company Ltd., Berkshire Hathaway GUARD, Chubb Group, Great American Insurance Group, Houston Casualty, Tokio Marine Nichido Fire Insurance Co., Ltd.. The Programs, products and services of The Select Group, Old South and Western Prairie Brands by Walnut Advisory enables insurance brokers to meet the needs of clients' through the knowledge, strength and presence tempered by 44 Years of insurance advisory experience.
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Programs backed by Nothing Less-Than an A Rating
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The Challenge of Business, The Response of Walnut. Carefully crafted, comprehensive insurance products; competitive, stable pricing; attentive customer service, and class of business experience and expertise combine to position The Walnut Advisory Corporation to deliver underwriting and loss control expertise; the right coverage at the right price, and fast turnaround to empower attorneys to protect their practice and retail and wholesale insurance brokers to build their books of business.

The products and services of The Select Group, Old South and Western Prairie Brands by The Walnut Advisory Corporation enable insurance brokers to increase their writings through the knowledge, financial Strength and market presence of The Walnut Advisory Corporation; knowledge, strength and presence tempered by 44 Years of Insurance Advisory Experience.
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The Select Group, Old South and Western Prairie Brands offers the
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What Can 44 Years of Insurance Advisory Experience Do For Your Business? 44 Years of insurance advisory experience delivers expert advice, quick answers, a well-designed process and support you can count on. Whether you’re a retail broker, wholesale broker or a law firm searching for the best liability coverage available, you need more than just coverage. 44 years of insurance advisory experience delivers expert advice, quick answers, a well-designed process and support you can count on.

The Walnut Advisory Corporation
40 Technology Drive Suite 2e Warren NJ 07059
telephone: 800.247.1064 / email: info@walnutadvisory.com
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Contact The Walnut Advisory Corporation today to see how the products, services, programs and brands, tempered by 44 years of insurance advisory experience,can provide the perspective to protect your clients practice and build your books of business.
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The Walnut Advisory Corporation / 40 Technology Drive Suite 2e Warren NJ 07059/ 800.247.1064 / info@walnutadvisory.com