Real Estate Umbrella Insurance Programs

For your larger real estate schedules.

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Our Umbrellas Win Accounts

Our Real Estate Umbrella Insurance program established the country’s first and longest-running Real Estate Umbrella Liability insurance purchasing group.

With unmatched experience and expertise, we’ll help you serve your larger real estate clients and get them the residential and commercial umbrella insurance they need.

Get the limits and outstanding value your clients are looking for, easily.

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Up To $130M In Limits

National Coverage

Industry-Leading Umbrella

What Kind of Real Estate?

The Distinguished Real Estate Umbrella Insurance programs were designed for:

Commercial Real Estate:

Office Buildings
Strip Malls
Stand-alone Retail
Light Industrial Complexes
General Warehousing
Indoor Malls

Habitational Real Estate:

Condominiums (Habitational & Commercial)
Cooperatives (CO-OP)
Apartments/Rentals
Senior/Independent Housing

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Superior Claims Experience

Well-Maintained Properties

Long-Term Ownership

We're Market Leaders
We've been doing this a long time – we're one of the longest-running and largest Real Estate Umbrella Insurance Programs – rely on our unmatched expertise to serve your clients better.
High Limits
Whether it's a lender or landlord requirement, or your client understands the value of Real Estate Umbrella Insurance, we've got the excess limits to satisfy everyone.
Long-Term Relationships
Our experience comes in handy here too. Our seasoned underwriting team has 'power-of-the-pen', allowing us to cut through the red tape.
All Admitted Paper
No surplus lines means no additional paperwork or hassle. With all admitted paper, the process is smooth, easy, and fast.

Our Features

Advantages of our Real Estate Umbrella Insurance:
- Limits from $25M to $130M
- No shared limits
- Admitted, A.M. Best A rated carriers
- Superior level of claims service and support
- Competitive pricing and low minimum premiums
- Automatic renewal process for most risks
State Availability:
- Available in all 50 states
Property Types:
- Commercial Real Estate
- Office Buildings
- Strip Malls
- Stand-alone Retail
- Light Industrial Complexes
- General Warehousing
- Indoor Malls
Habitational Real Estate:
- Condominiums (Habitational and Commercial)
- Apartments/Rentals
- Cooperatives (CO-OP)
- Senior/Independent Housing
Limit Options for Real Estate Umbrella Insurance:
- $25,000,000
- $50,000,000
- $105,000,000
- $130,000,000
Key coverages of our Real Estate Umbrella insurance programs:
- No Assault and Battery exclusion
- No Abuse and Molestation exclusion for some risks
- Crisis Response Coverage
- Unintentional Errors or Omissions
- Broad Named Insured endorsement (to include additional insureds)
- Limitation of coverage to specified locations endorsement – Newly acquired locations must be reported to and accepted by the company within ninety (90) days
Download Distinguished Real Estate Umbrella application.

Submit completed application to your sales executive.

SUBMISSION REQUIREMENTS
- Completed Application
- Schedule of locations including COPE Info
- 5 years of currently valued loss runs
- UL Quotes to be scheduled
- Bodily Injury and Property Damage
- Directors and Officers Liability for not-for-profit community associations
- Discrimination
- Auto Liability
- Employee Benefit Liability
- Advertising Injury
- Host Liquor Liability
- Personal Injury
- Punitive or Exemplary Damages – Except those related to a certified act of terrorism

Ready to Submit?

It’s easy. Just go to our online portal and get started. If you haven’t registered as a broker, you’ll need to do that first. And if you need any help, we’re here.

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