Express Real Estate Umbrella Insurance

Easy online submission.


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. 

what kind of Real Estate?

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

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

Express Real Estate Umbrella

No Limit on Number of Locations

Express Real Estate Umbrella

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.


  • 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

Eligible Property Types Include:

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

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

  • Alabama   
  • Arizona   
  • Arkansas   
  • Colorado (NEW!)
  • Delaware 
  • Hawaii   
  • Illinois 
  • Indiana   
  • Iowa  
  • Kansas (NEW!)
  • Kentucky 
  • Maryland 
  • Massachusetts (NEW!)
  • Michigan (NEW!)
  • Mississippi   
  • Missouri
  • Montana
  • Nebraska   
  • Nevada   
  • New Hampshire (NEW!)
  • New Mexico   
  • North Carolina
  • North Dakota
  • Oklahoma   
  • Oregon   
  • Pennsylvania   
  • Rhode Island   
  • South Carolina  
  • Tennessee
  • Texas 
  • Utah
  • Virginia (NEW!)
  • Washington, DC
  • West Virginia (NEW!)
  • Wisconsin  
  • Wyoming

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

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

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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