Real Estate Umbrella Insurance Programs

For your larger real estate schedules.

Our Umbrellas Win Accounts

Our Real Estate Umbrella property 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.


Up to $140M in Limits

Express Real Estate Umbrella

National Coverage


Industry-Leading Umbrella

what kind of Real Estate?

 The Distinguished Real Estate Umbrella Insurance program was designed for:

Commercial Real Estate

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

Habitational Real Estate

  • Condominiums (Habitational and Commercial)
  • Cooperatives (CO-OP)
  • Apartments/Rentals
  • Senior/Independent Housing
Express Real Estate Umbrella

Superior Claims Experience

Express Real Estate Umbrella

Well-Maintained Properties

Express Real Estate Umbrella

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.


Advantages of our Real Estate Umbrella Insurance:

  • Limits from $1M to $140M
  • 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: 

  • $10,000,000
  • $25,000,000
  • $50,000,000
  • $75,000,000
  • $90,000,000
  • $105,000,000
  • $115,000,000
  • $140,000,000

Key coverages of our real estate umbrella insurance program:

  • 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.



  • 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

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.


Large Loss Highlight

Large-scale losses are why your clients need high limit protection.

Distinguished Umbrella Overview

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