Volant Programs is seeking approval to launch an admitted habitational businessowners policy in Virginia, with Accredited Surety and Casualty Company providing the capacity.

The ISO-based program targets apartment buildings and residential properties with one to four units that are rented to others. Buildings may also contain offices, stores, or restaurants. The maximum combined building and business personal property limit is $25 million per location, and the minimum policy premium is $1,000.

Locations with more than $7.5 million in total insured value will require facultative reinsurance for the excess layer. The program also uses Cape Analytics’ aerial imagery and AI-generated roof-condition scores as a rating factor. A proposed TransUnion habitational score will not apply in Virginia.

The filing was submitted on September 1, with an October 1, 2026, effective date requested for new and renewal business.