Real Estate

Our specialists can help you find the best solutions for your real estate risks with coordinated placement and service throughout multiple coverage lines.


We have a dedicated team of more than 20 professionals with extensive knowledge of Real Estate and Construction risk.  Each real estate venture has its own unique set of risks, and General Liability policies do not fully protect from all possible exposures.  Coverage gaps can lead to significant financial loss.  Ensuring your client has the correct coverage can be complicated and requires specific expertise.  We can help you navigate these hurdles and secure the right coverages for your client.

What Makes Us Different

  • Industry-leading market relationships and clout to manage tough placements
  • Collaboration with each law firm involved in the transaction to craft a specialty product, tailored to the unique needs of each specific account
  • Quick turnaround time with detailed pricing estimates
  • Comprehensive proposals with options, comparative analysis, and limit benchmarking

Unique Exposures

  • Allegations by investors for breaches of investment guidelines
  • Prospectus liability lawsuits against Real Estate asset managers, directors, advisers, and service providers
  • Formal regulatory investigations into alleged fraud violations
  • Allegations of failure to disclose risks or conflicts of interest
  • Fee-based lawsuits
  • Lawsuits for failure to perform due diligence in the selection and oversight of third-party servicers
  • Alleged performance misrepresentations
  • Alleged improper valuation of Real Estate assets

Target Classes

  • Contractors
  • Developers
  • Property Managers
  • Fund Managers
  • Real Estate Investment Firms
  • Community Development Corps
  • Housing Authorities
  • Private & Public REITs
  • EB-5 Licensed Firms

Products Offered

  • Asset Management / Capital Syndicator D&O/E&O
  • Real Estate Fund D&O & E&O Liability Policy
  • Privacy / Cyber Liability
  • Fiduciary Liability
  • Employment Practice Liability (EPLI)
  • Fidelity Bonds

Is Your Client Properly Covered?

  • Does your client have an “off the shelf generic product” or a finely-tuned manuscript policy to meet their specific exposures?
  • Does the policy adequately address any actual or alleged regulatory actions?
  • Does your client understand M&A allegations and products that can insure these exposures such as Rep’s & Warranty Insurance and Tax Liability Insurance?
  • What are the appropriate limits for the risk?
  • What is the best way to handle the claims process and claims management?

Types of Real Estate

  • Apartments
  • Condominiums
  • Townhomes
  • Single Family Homes
  • High Value Homes
  • Mobile Home Parks
  • Affordable Housing, including Section 8 and Section 42

Target Classes

  • Property Owners and Managers
  • Real Estate Investment Trusts (REITs)
  • Financial Institutions
  • Private Equity Firms
  • Asset Managers / Fund Managers
  • Condominium Associations
  • Homeowners Associations
  • Contractors
  • Builder / Developers
  • REO SFH Investor Portfolios

Products Offered

  • All Risk / Property
  • DIC / Earthquake, Flood, and Named Storm
In addition to standard apartment and office building placements, we specialize in finding effective solutions for accounts that fall outside the standard marketplace.

Types of Real Estate

  • Single Family Dwelling Rentals
  • Vacation Rentals
  • Apartments - - large apartment schedules; Occupied Rehab Projects, including OL&T
  • Condominiums
  • Townhomes
  • Mobile Home Parks
  • Hotels & Resorts, including attractions (e.g.: zip lines, guided tours, etc.)
  • Affordable Housing, including Section 8 and Section 42
  • Vacant & Occupied Buildings
  • Vacant & Occupied Land
  • Office Buildings

We excel at unique risks that fall outside the standard market.

Here are just a few examples of the types of unique accounts we can handle:
  • Remodels or upgrades during occupancy - - Single or multiple properties that continue to be occupied while undergoing construction on a phased schedule
  • Country club community where the golf course is insured under the standard market, but coverage is needed for all other aspects of the neighborhood/resort
  • Large apartment portfolios
  • Resorts or Vacant Land that host unique outdoor tourist activities (e.g.: guided tours, hunting events, adventure hikes, etc.)
  • Troubled assets with large losses that fall outside of the standard market appetite

Examples*

  • Property Owners and Managers
  • Apartments
  • Single Family Homes
  • Hotels & Resorts
  • Developers
  • Wrap-Ups (OCIP & CCIP)
  • Infrastructure and Land Development
  • And MORE!
*NOTE: The above represents just a sampling of what we can do. Please contact the Real Estate Team or your B&R broker if you do not see the desired product listed.