Express Real Estate Umbrella Insurance

Easy online submission.

Real Estate

We Call it Sleep Insurance

Offering liability limits at competitive prices for a broad range of real estate risks, the Express Real Estate Umbrella Insurance program is ideal for smaller accounts with five locations or fewer. With express real estate, you'll be able to submit new business via our easy-to-use Broker Portal, making it very efficient.

Formed by Distinguished Programs in 1987, this Express Real Estate Umbrella program is the country’s first and longest-running of its kind. Today our Umbrella programs are among the largest in the United States.

Competitive pricing, outstanding value and online submission.

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what kind of Real Estate?

The Express Real Estate Umbrella Insurance program was designed for your residential and commercial umbrella insurance needs, including:

Office Buildings
Strip Shopping Centers
Stand-alone Retail
Rentals with underlying City Insurance coverage

We also entertain Community Associations (including HOAs, Condos, and PUDs) as part of the Express Community Associations Umbrella

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No Limit on Number of Locations

Up to 250K Square Feet Per Building and a Maximum Of 500,000 Square Feet Per Schedule

Up to $10M Limits

Hassle-Free Limits.

No need to build layers of coverage on your own, save your time and resources. Rely on the Real Estate Umbrella limits we've already built for your clients. It's easy, efficient, and good business.

Outstanding Value.

When you compare the level of coverage to the premium costs, the value is outstanding. Exceptional coverage for when the exceptional event occurs. It's why we call it sleep insurance.

Simple And Efficient.

With our online portal, you can submit at your convenience. Everything you need is available at the click of a few buttons. And if you need support, we're here for that too.

In-Depth Domain Expertise.

Designed by industry risk management experts with decades of experience, the Express Real Estate Umbrella provides comprehensive coverage. Rely on our expertise.

Features

Key Advantages

Limits from $1M to $10M
Competitive pricing and low minimum premiums
No shared limits
Superior level of claims service and support
AM Best A- rated carrier

Eligibility

Eligible Property Types Include:

Office Buildings
Strip Shopping Malls
Stand-alone Retail
Rentals with underlying City Insurance coverage

Additional Eligibility Requirements:

Up to 250,000 square feet per building
Up to 500,000 square feet per account
Effective age of 25 or less
Maximum three owned auto
No restrictions on the number of locations
Underlying Carrier with AM Best Rating of A- VII or better

State Eligibility:

Currently unavailable in Georgia and New York

We also entertain Community Associations (including HOAs, Condos, and PUDs) as part of the Express Community Associations Umbrella

Admitted States

Express Umbrella for community associations and smaller real estate schedules is now admitted in select states. Effective immediately, admitted coverage is available in:

We are actively working on filing for admitted status in the remaining states.

Limit Options

$1,000,000
$2,000,000
$5,000,000
$10,000,000

Key Coverages

Pay On Behalf
Zero Retention
Right & Duty To Defend
Defense Outside Limit
No Assault and Battery exclusion
Broad Named Insured endorsement
No Sexual Abuse and Molestation exclusion
Unintentional Errors or Omissions

Follow Form Coverages

Schedule of Minimum Underlying Insurance

Commercial General Liability (CGL)

$1,000,000 per Occurrence/
$1,000,000 Personal and Advertising Injury
$2,000,000 General Aggregate per Location

Commercial Auto Liability (AL)

$1,000,000 Combined Single Limit

Employers Liability (EL)

$500,000 Each Accident
$500,000 Policy Limit-Disease
$500,000 Each Employee-Disease

Employee Benefits Liability (EBL)

$1,000,000 Each Occurrence or Each Claim
$1,000,000 Aggregate

Garage Keepers Legal Liability (GKLL)

$1,000,000 Each Loss

All underlying carriers must have an A.M. Best rating of A- VII or better. However, we will provide coverage over Employers Liability placed with certified state funds and/or carriers with an A.M. Best Rating of B++ VI or better.

The coverage information outlined here is a guideline only. Please refer to the actual policies for full terms, conditions, exclusions, and limitations. In the event of a conflict between this document and the actual policies, the policies will control.

Personal Lines coverage is not acceptable underlying insurance.

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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