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 coverage and protection they need.
Get the limits and outstanding value your clients are looking for, easily.
$150M
Up to $150M in Limits
National Coverage
Industry-Leading Umbrella
what kind of Real Estate?
The Distinguished Real Estate Umbrella Insurance program was designed for:
- Condominiums (habitational and commercial)
- Apartments/Rentals
- Homeowner Associations (HOAs)
- Cooperatives (CO-OPs)
- Townhouses
- Planned Unit Developments (PUDs) (residential & commercial)
- Senior/Independent Housing
- Strip Malls
- Stand-alone Retail
- Light Industrial Complexes
- Office Buildings
- Indoor Malls
- General Warehousing
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.
Features
- Limits from $1M to $150M
- 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
- Condominiums (habitational and commercial)
- Apartments/Rentals
- Homeowner Associations (HOAs)
- Cooperatives (CO-OPs)
- Townhouses
- Planned Unit Developments (PUDs) (residential & commercial)
- Senior/Independent Housing
- Strip Malls
- Stand-alone Retail Properties
- Light Industrial Complexes
- Office Buildings
- Indoor Malls
- General Warehousing
- Warehouse
- Stand-alone Golf Courses
- $5,000,000
- $10,000,000
- $25,000,000
- $50,000,000
- $100,000,000
- $150,000,000
- 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.