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Industries / Real Estate

Real Estate Industry Practice Group

As the real estate industry adapts to continual shifts in the ways that people work, live, and connect, our dedicated experts will be your constant. Whether you’re a property owner or developer, manage or lend on those assets, or have a combination of needs, we’ll help you navigate insurance options and tailor your risk management program to protect your operations and investments for sustainable, long-term growth. Our team will provide education and guidance about products and available options, empowering you to implement insurance and risk management solutions as unique as your assets, portfolio, and company.


Expertise and focus that enhance performance

From apartment complexes and community associations to retail spaces and industrial buildings, all areas of real estate are shaped by distinct challenges and opportunities that impact the performance of your assets. Maintaining deep expertise in real estate, our team is dedicated to simplifying your approach to insurance, with the goal of helping you fortify your operational strength, minimize your exposures, and maximize your return on investment – placing your needs and expectations at the forefront of all we do.


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Dedicated experts, with decades of experience across all areas of Real Estate


Redefining the advisory experience

As your partner, we’ll work as an extension of your team, helping you protect your portfolio of assets at the regional, national, and global levels. Working together, we help you navigate the insurance process for every stage of your projects, from conceptualization and initial premium estimates to negotiations with lenders, and continuous reassessment of your needs. Collectively, our team brings you decades of experience, along with long-standing relationships and credibility in the industry that allow us to leverage our connections with top insurers and help you obtain optimal results.


Supporting your portfolio’s evolving needs

Every property is different, and as a sum of its assets, so is each portfolio. Your portfolio requires distinct insurance solutions customized for all its moving parts. In collaboration with you, we’ll determine strategic priorities and define practical steps and processes to help protect your business. As your partner, we’ll provide ongoing support and continue to fine tune solutions as your needs and goals evolve.

Real estate expertise spans numerous areas, including:

Property developers

Managing agents

Owners and managers


Real Estate Investment Trusts (REITs)

Community associations


Proven experience covering all asset types:


We understand the unique exposures apartment building owners and property managers face. You’re tasked with preserving your property and its surroundings, protecting tenants and guests, and shielding the public from harm. With the aid of expertly crafted insurance solutions, you can remain focused on optimizing your investments and pursuing opportunities for growth. You’ll be able to leverage our resources and expertise to properly evaluate your exposures, reduce your cost of risk, and obtain the proper amount of coverage that fits the needs of your multifamily properties.
· Apartment communities
· Multi-tenant dwellings
· Affordable housing
· Condominiums
· Townhomes

Community Associations

Each community association is distinctly shaped by its volunteer board of directors, the revolving amenities they provide to attract owners, and the various homeowners that shape the fabric of the community. In addition to balancing the competing interests and priorities of their community, associations are also tasked with securing coverage in an insurance market that’s become increasingly challenging to navigate. As your partner, we’ll start by learning the forces and goals that shape your community association. We’ll leverage a strategic service timeline to help address your community’s underwriting exposures, identifying solutions that can make you more resilient. By building an individualized, tailored risk management plan that remediates your specific issues, we’ll strive to keep your insurance program stable and viable both in the short-term and for years to come.
· Condominium associations
· Cooperative associations
· Homeowners associations
· Master planned communities
· Planned unit developments


Our real estate insurance specialists have extensive experience in commercial buildings and lessor’s risk and expertise spanning a wide range of tenant occupancy profiles. Whether your needs include retail strips with restaurant exposures or industrial buildings with heavy manufacturing, we can help create the right program to meet your needs. We’ll monitor current real estate trends and market conditions to help ensure you obtain the best available protection.
· Industrial, including manufacturing
· Retail
· Office
· Self-storage facilities


You create welcoming spaces that provide memorable experiences for your guests. And we deliver tailored risk mitigation and insurance solutions that help improve your operational strength, reduce your exposure to liabilities, and secure your longevity. Our team will do a deep dive into your business practices, with the goal of addressing your vulnerabilities by building processes and procedures tailored to your operations and assets. Through our partnership, we’ll help you tap into your resiliency and aim to keep your business, employees, and patrons safe. Discover a partnership that prioritizes your best interests and strives to both minimize your cost of risk and optimize your insurance outcomes, empowering you to achieve differentiated results.
· Hotels
· Motels
· Resorts


Capabilities that drive tangible results

Your dedicated team will work to provide you stability in the fast-paced environment in which you operate, delivering risk mitigation expertise and solutions you can count on to help elevate the success of your assets and portfolio, regardless of scale. 


Contract review

Employee benefits

Loss control and site surveys


Products designed to perform

Dedicated specialization in real estate allows us to tailor our products to align with your needs, goals, and possibilities for the future.

Our product expertise includes, but is not limited to:


Personalized process, powerful outcomes

You’ve dedicated time, energy, and resources toward building your real estate portfolio. And we’re committed to streamlining your insurance and risk management strategies, helping you protect your assets while containing costs.

Cost of risk discovery

Reduce your cost of risk by unveiling and exploring known and unidentified cost drivers. After evaluating your risk in its totality, we’ll develop a prioritized, step-by-step plan to reduce your cost of risk.

Captive solutions

We’ll help you explore alternative options, such as captives, to the traditional insurance marketplace that may provide you more control over your cost of risk. A captive is an insurance company that is wholly owned and controlled by its insureds. Our experts will help you determine if a captive is the right solution for you.

Loss prevention consulting

With a focus on site evaluations, property preservation, inspection and maintenance programs, and disaster recovery planning, your dedicated team can help you avoid claims scenarios.

Claims management

You can count on our in-house claims team to provide prompt intervention, clear communication, and expert assistance, so you can resume operations as quickly as possible in the event of a claim. We’ll assist with claims advocacy and review, and loss prevention strategies that can help prevent similar claims scenarios from reoccurring.


Shoring up your property’s defenses

Reimagine your approach to disaster preparedness and bolster your ability to respond and rebound with our expertise in your corner. We know how to navigate the different perils that may impact your portfolio – from weather events to man-made disasters – and have proven expertise and presence in high-hazard regions, including Texas, Florida, the gulf states, Hawaii, and California. Our experts can provide prioritized recommendations for hardening your properties, developing appropriate response plans, and choosing the right coverages to help you protect your assets, occupants, and earnings.

Our property expertise includes, but is not limited to:


Continuity in solutions


Stay in the know

Our experts monitor your industry and global events to provide meaningful insights and help break down what you need to know, potential impacts, and how you should respond. 

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Build your path to the possible

When you decide to partner with us, you choose to protect your business and open the door to new ventures and opportunities.