Skip to content
Industries / Real Estate
SECURE EVERY INVESTMENT

Real estate insurance built for growth

Whether you own, develop, manage, or finance properties, our experts deliver tailored solutions that protect operations and bolster longevity throughout the real estate lifecycle.

Connect with us
KEY INSIGHTS

Stay one step ahead

 From shifting occupancy patterns to economic forces, leverage our real estate insights to anticipate challenges, minimize risk, and seize opportunities.

View more
INDUSTRY ACUMEN

Expertise that delivers results

With decades of experience and strong relationships with leading insurance partners, our advisors bring the credibility to protect portfolios across regional, national, and global markets. From project estimates to lender negotiations and ongoing reassessment, strategies minimize exposure and optimize coverage to drive success.

Who we serve

Icon of a crane
Developers, owners, and managers
Icon of business style builidng
Merchant builders and community associations
Icon of hand and gears
REITs and managing agents
Icon of money sign with circle around it
Lenders, private equity, and family offices

Product types covered

  • Multifamily, industrial, retail, and office
  • Hospitality and affordable housing
  • Community associations and lesser risk portfolios
 BUILT TO ADAPT

 Strategies that evolve with your portfolio

 Every property and portfolio are different, and so are its coverage needs. Your dedicated team helps you define priorities, adapt to change, and sustain success.

Proactive risk management

Identify risks early and act decisively to build resilience and prevent costly disruptions.

graphic of a number 2 in a circle

Tailored solutions

Design coverage around the distinct dynamics of your development, operations, and assets.

graphic of a number 3 in a circle

Strategic partnership

Anticipate emerging exposures and respond with strategies backed by critical market insight.

graphic of a number 4 in a circle

Unwavering support

Rely on a dedicated team for guidance and claims advocacy that provides continuity.

FOCUSED SOLUTIONS

 Coverage designed to perform

 Stay protected in a dynamic risk landscape through specialized solutions built to manage costs and address the full spectrum of real estate exposures.

Icon

Construction risk

  • OCIP administration
  • Builders risk and construction liability
  • Project insurance budgets and safety procedures
  • Contract negotiation and exhibit drafting
  • Terminal operators’ legal liability
Icon

Operational risk

  • Insurance budgeting and asset valuation
  • Policy audits and premium allocations
  • Catastrophic weather modeling and flood zone reclassification
  • Risk orientation and staff training
  • Workers’ compensation
Icon

Risks & claims advocacy

  • Onsite loss control and CPTED surveys
  • Dedicated claims consultants
  • Risk assessment and safety lights
  • Claims reporting kits and prompt advocacy
  • Pollution and environmental liability
Icon

Alternative risk

  • Captive insurance and risk purchasing groups
  • Parametric insurance
  • Aggregate deductibles and self-insured retention
Icon

Management & governance risk

  • Management liability
  • Directors and officers (D&O) liability
  • Employment practices liability (EPL)
  • Fiduciary liability
Icon

Professional & specialty risk

  • Professional liability/Errors & omissions (E&O)
  • Crime/fidelity
  • Kidnap/ransom
YOUR PARTNER FOR THE FUTURE

Strength at scale, service with focus

Ranked among the top 20 U.S. brokerages, The Baldwin Group unites scale and influence with a boutique-level commitment to clients, delivering strategies that protect investments and position portfolios for lasting growth.

Connect with us

Frequently asked questions

From coverage details to claims support, we’ve got the answers you need to keep moving forward.

What is the valuation method for covered losses in real estate?
Insured losses are typically valued at replacement cost (RC) or actual cash value (ACV). RC covers repair or replacement without deducting depreciation, while ACV factors in depreciation for age, condition, and wear and tear. Owners and operators should align their choice with property characteristics, financial goals, and risk tolerance.
Can I insure multiple commercial real estate (CRE) properties under one insurance policy?
Yes. Multiple CRE properties can be insured under one policy, typically through a blanket or portfolio policy. These consolidate coverage for all properties owned by the same entity or individual, streamlining management and often offering cost efficiencies compared to insuring each property separately.
Blanket policies allow customization for each location’s risks. Property-level risk assessments and tailored endorsements or riders help ensure coverage reflects the unique exposures across your portfolio.
What insurance coverage is needed for vacant commercial properties?
Standard property insurance often excludes or limits coverage for vacant spaces. Owners and operators should secure specific policies or riders to maintain protection. Key coverages to consider include:
  • Vacant property insurance
  • General liability
  • Builder’s risk (if under renovation)
  • Loss of rental income
  • Ordinance or law coverage
  • Security and maintenance endorsements
What role do risk engineering and loss control play in protecting real estate portfolios?
Insurers often require proactive risk management measures, such as inspections, maintenance programs, and safety systems. Investing in loss control not only helps reduce claims but can improve insurability, lower premiums, and strengthen long-term property performance.
How can property owners address climate-related risks in their insurance programs?
Climate events, like flooding, wildfire, and severe storms, are increasingly affecting property portfolios. Owners may need specialized solutions, such as flood insurance, wildfire mitigation endorsements, or parametric coverage, for wind and storm surge. Proactive planning helps reduce both financial and operational disruption.