Real Estate Insurance Solutions

Real Estate insurance

Insurance That Supports Real Estate Success

As risks continue to shift across the real estate industry, The Hartford provides specialized insurance tailored to help midsize and large organizations weather ongoing changes.
 
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Real Estate insurance

Protection That Strengthens Real Estate Operations

Real estate owners and managers navigate complex challenges, including shifting demand, regulatory updates and heightened exposure to severe losses. These dynamics expand the risk landscape, making industry-focused insurance solutions critical for stability and continued growth.

Coverage Across the Real Estate Industry

With more than 200 years of experience, The Hartford offers deep industry insight and a dedicated team focused on supporting real estate companies, including:
  • Commercial Property Owners Non-Residential
  • Commercial Property Managers
  • Real Estate Investment Trusts (REITs)
  • Triple Net Lease Properties
  • Office Class A/B
  • Light Industrial Facilities
  • Mixed-Use Properties
  • Real Estate Agents and Managers
  • Commercial/Residential Condo Associations 

Property and Liability Solutions Built for Real Estate Risks

The real estate sector demands insurance solutions that address both operational and emerging risks. The Hartford offers specialized, customizable coverage designed to enhance protection across portfolios, including: 

Our Coverages

  • Property Choice® helps protect midsize real estate businesses’ buildings, facilities and business equipment, with enhanced business income coverage for real estate owners and managers.
  • Property Elite and Property Elite Global supports businesses with large limits or more complex risks.
  • Coverage solutions available for: excess property, quota share, assumed reinsurance, manuscript forms and shared/ layered. 
Builder’s Risk coverage helps protect contractors and owners from unique risks on both new projects and major renovations. 
Site Pollution Liability coverage helps protect real estate businesses from pollution incidents located on, under or migrating from an insured site. 

Looking for Small Business Solutions?

Real estate companies of all sizes have unique coverage and support needs. For smaller organizations seeking tailored protection and resources, visit our dedicated small business page.
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Identifying Risks Before They’re a Problem for Real Estate Firms

Our risk engineering team can help find and fix issues before they become a problem for a real estate organization. Our specialists use a variety of resources to help make businesses safer, including:
 
  • Ergonomic evaluations
  • Business continuity planning
  • Emergency preparedness
  • Premises safety
  • Cybersecurity
  • Return-to-work programs
  • Resources for controlling losses and limiting exposures 
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Exceptional Claims Service Dedicated to the Real Estate Industry

Our experienced claims and legal assistance teams take a timely, proactive approach to handling claims. We offer these exceptional resources:
 
  • Specialized ClaimPlus Teams focus on serving large customers with tailored claims handling while consulting experienced adjusters for complex cases.
  • Track Risk. Explore Opportunities (TREO) is a risk management information system designed to simplify claims management and effectively lower loss costs. 

Marketing Resources

Insights To Help Navigate Real Estate Industry Risks