Real Estate
Shielding your Portfolio Empire from Invisible Threats
Every property, tenant, and market shift threatens your multi-billion dollar real estate fortune.
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February 23, 2025
Commercial Real Estate Development & Asset Risk Enterprises
Protecting Multi-Property Portfolios, Developers, and REITs with Intelligent Risk Solutions for Construction, Liability, Income Loss, and Market Exposure.
Commercial real estate demands risk strategies aligned to valuation, liability, and tenant exposure. We deliver integrated programs that protect cash flow, defend assets, and support long-term success for developers and portfolio managers.
38%
Of CRE claims stem from liability and tenant related incidents.
$21T
U.S. commercial real estate market value exceeds $21 trillion in assets.
64%
Of CRE firms reported weather driven property loss within five years.
The Unique Risks of Commercial Real Estate
CRE portfolios face risks from tenant liability, environmental exposure, income disruption, and property damage requiring insurance programs that alighn to asset perfromance, regulatory shipfts, and the evolving tax and real estate market.
Tenant and Premises Liability - Injury or legal claims tied to tenant use or guest accidents.
Property Damage and Catastrophic Loss - Fire, flood, wind, or vandalism impacting insured assets.
Business Income and Rent Loss - Lost revenue due to property damage or tenant interruption.
Environmental Liability - Cleanup and legal action tied to contamination or historical land use.
Construction Defect and Builder Exposure - Post completion claims tied to design flaws or workmanship issues.
Our CRE insurance solutions defend long term asset value, mitigate income loss, and align with lender, leasing, and development requirements across the full lifecycle of ownership and operations.
Specialized Coverages for Commercial Real Estate
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General Liability & Premises Risk
Covers bodily injury and property damage tied to premises use.
Tenant, visitor, and contractor liability
Defense, settlement, and medical reimbursement.
Property & Catastrophic Damage
Coverage for fire, flood, storm, and vandalism and all other perils
Replacement cost and actual cash value options
Ordinance & law and code upgrade endorsements
Business Income & Rent Loss
Net rental income coverage during insured interruptions and loss events
Extra expense and tenant relocation support
Meets lender continuity and debt service convenants
Builder's Risk & Post-Completion Liability
Protects structures, materials, and equipment under development
Extended coverage through project completion
Optional construction defect extensions for long-tail liability
Environmental & Site Liability
Defense for claims of contamination, mold, or historical land use
Covers regulatory remediation and third-party actions
Alighns with lender and acquisition due diligence
Case Study
The Risks of Managing Large Commercial Real Estate Portfolios and Development
San Francisco, CA
Tenant Injury Lawsuit
A fall in a luxury mixed-use tower resulted in a $12M premises liability claim.
Houston, TX
Winter Storm Property Loss
Storm Uri damaged multiple CRE assets, disrupting rental income and raising catastrophe loss exposure.
Newark, NJ
Construction Defect Claim
Water intrusion revealed major post build design flaws in a high-rise apartment complex.
