Real Estate Insurance Solutions Tailored for Your Business

When you’re running a real estate business, you’re facing risks that could seriously impact your bottom line, and here’s where our typical P&C insurance coverages come in to protect what you’ve worked so hard to build:

• Property insurance for buildings and operations—because your physical structures are the backbone of your real estate business. We’re talking about protecting your offices, rental properties, and commercial buildings from what keeps you up at night: fire, theft, vandalism, and those unpredictable natural disasters. And it’s not just about the buildings themselves—your office equipment and furniture matter too. This coverage helps you bounce back faster and keeps those financial losses from derailing your operations.

• Business Interruption insurance—this one’s a lifesaver when the unexpected happens. If a covered event like fire forces you to temporarily shut down, you’re still looking at lost income and those ongoing expenses that don’t stop just because your doors are closed. This coverage steps in to compensate for what you’re losing, so you can focus on getting back on your feet.

• Commercial General Liability insurance and Umbrella policies—because in real estate, you’re constantly dealing with people on your property or during business activities, and accidents happen. When they do, you don’t want to be left holding the bag for third-party bodily injury or property damage claims. These policies give you that crucial protection layer you need.

• Errors & Omissions (E&O) (a.k.a. Professional Liability insurance) for real estate agents—even the most careful real estate professionals can face claims of negligence, mistakes, or oversights during property transactions. It’s not about being careless; it’s about protecting yourself when things don’t go as planned, despite your best efforts.

• Directors and Officers (D&O) Liability insurance—this coverage protects the leadership of your real estate business, including directors and officers, against claims alleging wrongful acts in their managerial capacity. In the complex world of real estate, decisions made by your executives can sometimes lead to disputes or lawsuits related to mismanagement, breach of fiduciary duty, or other alleged errors. D&O insurance helps cover legal defense costs, settlements, and judgments, ensuring that your leadership team can operate with confidence and that your business remains protected from financial harm caused by such claims.

• Commercial Auto insurance—whether you’re an agent driving to showings or a construction company managing a large fleet, your business vehicles need protection. Accidents happen, and when they involve your work vehicles, you need coverage that’s got your back. This is especially critical if you’re operating multiple vehicles as part of your daily operations.

• Umbrella (Excess Liability) insurance—this coverage acts as an additional layer of protection beyond your primary liability policies. It kicks in when the limits of your underlying policies, such as general liability or commercial auto insurance, have been exhausted. For real estate professionals, this means extra peace of mind against large claims or lawsuits that could threaten your business’s financial stability. Whether it’s a significant injury claim on your property or a costly legal judgment, umbrella insurance helps cover the gap, ensuring your assets and future earnings remain protected.

• Cyber Liability and Crime insurance—we’re living in a digital world where data breaches and cyberattacks are genuine threats. This coverage helps you manage the financial fallout when cyber incidents hit, covering everything from client notifications to legal fees and recovery efforts. Because dealing with fraudulent activities is stressful enough without worrying about the costs.

• Workers’ Compensation insurance—this one’s non-negotiable in most states, and it’s just good business. When your employees face work-related injuries or illnesses, this coverage ensures they’re taken care of with medical expenses and lost wages covered. It’s about doing right by your team while keeping you compliant with regulations.

• Builder’s Risk and Transactional Risk—these are your specialized safety nets for when you’re in the thick of real estate projects. Builder’s Risk insurance protects your construction projects from damage during those vulnerable construction or renovation phases—fire, vandalism, and weather incidents. And transactional risk insurance? That’s your protection against those deal-breakers that can pop up during property transactions: title issues, environmental surprises, or undisclosed defects that could tank a deal’s success or value. Because in real estate, you need coverage that understands the unique risks you’re facing at every stage.

• Pollution Legal Liability insurance—this coverage protects your real estate business from claims related to pollution incidents that may arise from your operations. Whether it’s contamination from hazardous materials on a property you manage or environmental damage during construction or renovation, pollution liability insurance helps cover the costly cleanup expenses, legal fees, and damages associated with pollution claims. This type of insurance is especially important for real estate owners, developers, and property managers who may face environmental risks as part of their business activities.

• Flood, Wind and Earthquake coverage—Natural disasters can pose significant risks to real estate properties and business operations. This coverage protects your assets from damage caused by floods, high winds, and earthquakes, which are often excluded from standard property insurance policies. Having this protection ensures that your buildings, rental properties, and commercial real estate investments are safeguarded against these potentially devastating events. It also helps cover repair costs, temporary relocation expenses, and business interruption losses resulting from such disasters. This specialized coverage is essential for real estate owners and managers operating in regions prone to these natural hazards, providing peace of mind and financial security in the face of unpredictable environmental challenges.