Real Estate & Property Sector
Apartment buildings, condominium and community associations, offices, shopping centers, warehouses, mobile-home parks, and the agents and managers who run them. Nine coverage paths, and the deepest carrier appetite outside construction.
Own or manage a building and you are liable for a great deal you do not control — a tenant's operation, a guest in a common area, a vendor on the roof.
Control what you can, and transfer the rest by contract.
Which is why tenant certificates, additional insured status and clear walls-in / walls-out wording matter as much as the limit on the policy. For a board, the exposure is usually not the building at all — it is a decision the board made. And agents and managers carry a third exposure entirely: brokerages require errors and omissions, and a disclosure dispute or a fair-housing complaint under California law can surface long after the deal or the lease closed.
Property & Real Estate Coverage
For owners, boards, managers and agents — each with a different exposure.
Apartment Buildings
Habitational liability with assault-and-battery cover, loss of rents, and older-building underwriting.
Explore coverageCondominium Associations
Master policy wording matched to your CC&Rs, plus association D&O and reserve-fund protection.
Explore coverageHOA & Community Associations
Board decisions, reserve funds and common areas — D&O first, buildings second.
Explore coverageLessors Risk Only (LRO)
Commercial buildings leased entirely to tenants, where tenant certificates are the real control.
Explore coverageMobile Home & RV Parks
Park-owned versus resident-owned property, fire spread between spaces, and utility liability.
Explore coverageOffice Buildings
Tenant improvements, HVAC and elevator breakdown, lobby and garage liability, loss of rents.
Explore coverageReal Estate Agents & Brokers
E&O for non-disclosure claims and cyber cover for wire fraud on escrow instructions.
Explore coverageShopping Centers & Strip Malls
Common-area and parking-lot liability, and the tenant mix that decides the whole center.
Explore coverageWarehouses & Storage Facilities
Legal liability for goods held for others, rack and sprinkler underwriting, forklift exposure.
Explore coverageHow we work
However you arrive at this page, the path from here is the same.
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Understand your risk
We start with how you actually operate — your assets, your people, and the exposures that come with them.
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Match it to the right carrier
We shop carriers whose appetite and specialization fit your risk, then lay the options out side by side.
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Stay with you
We stay on through renewals, mid-term changes, and claims — adjusting as things change and advocating when it counts.