We help the affordable housing industry protect what matters most.
At HAI Group, we believe that public and affordable housing providers deserve stable, informed insurance solutions.
With our singular focus on the U.S. multifamily affordable housing industry, we understand your challenges and tailor our programs to meet your needs. As the nation’s leading public and affordable housing insurance carrier, we’re ready to help. Let’s talk.
Save the Date: 8th Annual HAI Group Virtual Risk Management Conference
Join us on Tuesday, November 10, 2026, for this year’s Virtual Risk Management Conference. This one-day event will provide you with expert insights into new and emerging risks in multifamily housing, delivered by leading professionals in the field.
News: HAI Group Named Public and Affordable Housing Service Company of the Year
Real Estate Business Review recognized HAI Group for its specialized expertise, commitment to the public and affordable housing industry, and continued focus on helping housing organizations protect their people, properties, and communities.
Why HAI Group?
Nationally recognized for our housing-focused insurance programs, risk management services, online training, and research, we’re known for being a true partner to the affordable housing industry. So, why work with us?
AM Best
Our financial strength has been verified as ‘A+’ (Superior) by AM Best, an independent ratings agency that evaluates insurance companies based on their ability to meet financial obligations. This rating reflects our long-term stability and reliability.
Loss Prevention Fund
Since 2020, we’ve allocated $15 million through HAI, Inc.’s competitive Loss Prevention Fund to support qualifying housing agencies. This fund helps organizations implement proactive safety measures, reducing the risk of claims and enhancing overall risk control strategies.
Net Promoter Score℠
Net Promoter Score (NPS®) measures how likely policyholders are to recommend us, with scores ranging from -100 to +100. Our NPS score of 72 is considered excellent both within the insurance industry and beyond. We’re committed to providing exceptional service every day.
Our Story
More than three decades ago, an insurance crisis threatened the future of public housing. Housing organizations whose policies weren’t canceled outright faced premium increases so steep they couldn’t afford to pay them. Fortunately, the public housing industry has always been adept at handling adversity. True to form, several organizations joined forces, rolled up their sleeves, and created their own insurance company.
Nearly four decades later, that company is the leading provider of property and casualty insurance to the multifamily affordable housing industry nationwide. That company is HAI Group.
How do we stack up?
Here’s what some of our clients are saying.
Here’s what some of our clients are saying.
Over the past 5 years in California, we have seen a lot of carriers leave the market due to industry concerns. This has led to reduced options, increased costs, and stricter underwriting. HAI Group is truly the industry expert in this space and while not immune to rate increases, they have managed to weather the storm. They assisted us with our client's first RAD renovation almost 14 years ago. They worked with our client to help understand the funding for this important program and we were able to provide solutions for all parties involved. HAI continues to innovate in this ever changing time.
Douglas C. Simons
Gallagher
The Housing Training Institute has been an absolute game changer for how we develop our team! The platform's flexibility allows our staff to learn on their own schedule, picking up right where they left off, making high-quality training truly accessible for everyone. The course topics are relevant, wide-ranging, and valuable across multiple departments. Most importantly, it has become a cornerstone of our onboarding process, helping us establish strong customer service standards from day one!
Mark Hamilton
Plattsburgh Housing Authority
Our agency works with a seemingly endless list of carriers, and HAI Group is hands-down my favorite company to work with. HAI makes doing business easy. While many companies treat customers like ‘just another number,’ HAI makes it clear to us and to our clients that our insureds’ well-being is truly a priority.
Brittany Swinton
Robertson Ryan & Associates
Our agency has had such a positive experience with the Housing Training Institute. The platform is easy to use, flexible, and offers a great variety of training topics that provide value across the entire organization; from maintenance and frontline staff to program specialists, supervisors, and administrators. Between the quality and variety of the training, the flexibility of the platform, and the support from their team, Housing Training Institute has been a great resource for our agency and staff development.
Nataline Jindoian
Housing Authority of the County of Contra Costa
The HAI Group team is absolutely amazing to work with. They stay on top of our portfolio and make sure we secure the appropriate coverage. They are quick to respond to adjustments needed to secure property deals. [Topeka Housing Authority] would highly recommend HAI Group and give their staff kudos for their hard work and dedication to providing stellar customer service.
Aubrey Thompson
Topeka Housing Authority
I was excited to receive the email that HAI Group is offering the Housing Training Institute for all HAI members. This is a great benefit, especially for smaller PHAs. The complimentary access to the HTI training platform will address the need for regular staff training and provide more opportunities to cover the cost of additional training as needed.
Ashley Lane
Housing Authority of the City of Frostburg
HAI truly knows affordable housing. They understand the risks and exposures that our clients face, so it’s an easy conversation to have with underwriting when we are looking at new opportunities for clients and prospects. Service has been consistent and ranks at the top of our carrier partners for efficiency and overall ease of requesting endorsement changes, billing, and more.
Michael L. Miller
Gallagher
HAI Group’s online training learning platform continues to be a great tool for our team. The platform offers a variety of informative trainings that are both convenient and easy to set up and navigate. Further, HAI Group's training support staff are always helpful and responsive. The self-paced format allows everyone to complete trainings on their own schedule, which is a huge plus for our organization.
Douglas Dzema
Perth Amboy Housing Authority
We don’t fully understand insurance, but we have a partner in HAI Group who does, and we consider them part of our development team. Like our other development partners, HAI Group plays a crucial role in making our projects happen. After all these years, we truly value that partnership.
Rhonda R. Mitchell
The Housing Authority of Newport
[HAI Group] has always been incredibly responsive to our requests, which can be numerous, and their claims process is remarkably smooth. It's a pleasure working with [the claims team] at HAI Group—which is not something I can say about some other providers.
S. Paul Edwards
Housing Authority of Salt Lake City
[The] HAI Group training platform is a vital part of our management and human resources functions. From onboarding new employees to supporting current employees, the trainings have been phenomenal.
Carol Cuddy
Taunton, Stoughton, Bridgewater Housing Authorities
Before our insurance renewal, we were notified that our property and liability carrier would not renew our policies. Many carriers refused to quote, while those that did, quoted major premium increases. When we contacted HAI Group, their team worked tirelessly to gather the necessary information and helped us place auto, property, and liability coverage with the required limits, at premiums much lower than those quoted by other carriers. I highly recommend HAI Group as a reliable carrier that understands affordable housing.
Erika Munoz
Tacoma Housing Authority