About
About Apartment Guard Insurance
An independent agency that places residential apartment building coverage — built and led by a CPCU-credentialed broker, operating as a brand of Wexford Insurance, LLC.
Nate Jones, CPCU
Founder · Apartment Guard Insurance
Nate Jones is a Chartered Property Casualty Underwriter (CPCU) and the founder of Wexford Insurance, LLC, the independent agency behind Apartment Guard Insurance. He started this brand to do one thing well: place residential apartment buildings with carriers that actually write habitational risk.
Why a brand built only for apartment buildings
Habitational risk gets underwritten very differently from a strip mall or an office building. The exposures that matter on an apartment building — premises liability in the common areas, the rental income the building produces, equipment breakdown on aging systems, and fair-housing and tenant-discrimination claims — sit awkwardly on a generic commercial policy. Apartment Guard Insurance exists to treat those as the main event, not the footnote, and to coordinate them into one program rather than a stack of mismatched policies.
Because we focus on this one class, we know which carriers are comfortable with older roofs, frame construction, student-occupied buildings, and the catastrophe zones that make some apartment property hard to place — and which will decline it. That is the difference between marketing a building well and quoting it from a table.
The Wexford Insurance relationship
Apartment Guard Insurance is a DBA of Wexford Insurance, LLC, an independent insurance agency based in Greenwood, IN. Wexford operates a family of specialty insurance brands, each concentrated on a single class of business so the placement expertise runs deep rather than wide. When you work with Apartment Guard Insurance, you are working with Wexford Insurance, LLC and its carrier relationships, under a brand built specifically for apartment owners.
Our sister brand, STR Guard Insurance, brings the same single-class focus to a different specialty property class. Different class, same approach: know one thing deeply and place it with markets that want it.
Licensing & verification
Apartment Guard Insurance, through Wexford Insurance, LLC, is licensed in 48 states — every state except Hawaii and Alaska. We place apartment building coverage through a specialty carrier panel and match each building to a market whose appetite fits its construction, age, and location. See the states we serve for where we write.
You can verify our license through the National Insurance Producer Registry (NIPR) under National Producer Number (NPN) 19887690.
What CPCU means
The Chartered Property Casualty Underwriter (CPCU) designation is a graduate-level credential in property-casualty insurance covering underwriting, risk management, insurance law, and ethics. For an apartment owner it means the person structuring your program understands how a carrier reads your building — and how to present it so the program holds together when a claim actually happens.
How we work
- You tell us about the building — construction, age, location, occupancy, and history.
- We identify the carriers most likely to write it and market the building to them.
- We return options across property, general liability, business income, equipment breakdown, and tenant-discrimination coverage — coordinated as one program.
- A CPCU-credentialed broker reviews the structure with you before anything is bound.
Coverage is placed through Wexford Insurance, LLC. Start with the Apartment Guard Insurance quote form or call 317-942-0549.
Work with an agency that knows apartment buildings
Tell us about your building and we will market it to carriers that write the class.