Express Real Estate Umbrella Insurance

Easy online submission.

Express Real Estate Umbrella

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. 

$5M

Up to $5M in Limits

Express Real Estate Umbrella

National Coverage

Express Real Estate Umbrella

Online Submission

what kind of Real Estate?

The Express Real Estate Umbrella Insurance program was designed for:

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

Express Real Estate Umbrella

5 Locations and Fewer

Express Real Estate Umbrella

Well-Maintained Properties

Express Real Estate Umbrella

Long-Term Ownership

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

  • Limits from $1M to $5M
  • Competitive pricing and low minimum premiums
  • No shared limits
  • Superior level of claims service and support
  • AM Best A- rated carrier

Eligible Property Types Include:

Additional Eligibility Requirements:

  • Underlying Carrier with AM Best Rating of A- VII or better
  • Effective age of 25 or less
  • 5 locations or less
  • Maximum one owned auto

Not Eligible:

  • Buildings over 20 stories
  • Single location larger than 100,000 square feet
  • Accounts larger than 300,000 square feet
  • Currently unavailable in Georgia and New York
  • $1,000,000
  • $2,000,000
  • $5,000,000
  • 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
  • Provided on a non-admitted basis
  • Bodily Injury and Property Damage
  • Advertising Injury
  • Host Liquor Liability
  • Discrimination
  • Personal Injury
  • Contractual Liability
  • Auto Liability
  • Employee Benefit Liability

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.

Resources

Express Real Estate Umbrella

Enjoy the ease of a ready-built Express Real Estate umbrella.

Distinguished Real Estate Umbrella

When your clients need market-leading high-limit protection.

Distinguished Umbrella Overview

Get your clients Umbrella coverage for Real Estate, Restaurants, Community Associations and Hotels