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Real Estate Owners & Managers Face More Risks

Real estate owners and managers face more risks than ever before. New laws and regulations create unseen challenges. It seems like every few months there’s an economic bubble that shakes the industry. However, building owners and operators can rest assured The Hartford is here to help reduce risks and prevail through crises and unexpected events.
Recommended Coverage for Real Estate Owners & Managers
Property Choice® coverage along with our SPICE® endorsement provides protection for the things that matter most to real estate businesses. This can include coverage if:
 
  • A tenant cancels a contract.
  • Damage to an adjacent property restricts access to the owned property.
  • Other tenants move out due to a covered loss to an anchor store that reduces shopping traffic, resulting in loss of rents.
  • Increased realty taxes assessed after repairs are made due to a covered loss.
 
Our broad coverage offering includes some unique features valuable to real estate owners including coverage for:
 
  • Direct physical damage to pavements, parking lots and roadways for covered perils.
  • Coverage for foundations, walks, roadways, and patios automatically, providing comprehensive coverage built right into our policy.
  • $1M Ordinance or Law coverage, on top of property limits, for demolition and increased cost of construction when repairs are required to meet new or updated construction code.
The Hartford stands by you to prevail when the unexpected happens. General Liability coverage helps protect business assets in the event of a lawsuit for claims of negligence, personal injury, libel, slander, false advertising, and more. Unlike most other providers, coverage from The Hartford includes a solution to help meet the contractual needs for Additional Insured requirements, Waiver of Subrogation, and Primary and Non-Contributory coverage.
With flexibility to meet coverage limits that suit our customer’s needs, Umbrella coverage adds ease of mind so property owners can focus on managing their business.
Helps cover the vehicles that a business owns, leases, rents or borrows – on the road and off. At no additional cost, our commercial auto insurance includes our Broad Form endorsement providing coverage such as:
 
  • Supplemental payment for hybrid, electric or natural gas vehicle payment (to replace a non-hybrid auto that is deemed a total loss).
  • Lease and loan gap coverage.
  • In addition, our policy automatically includes LLCs that are subsidiaries or newly acquired as Named Insureds on the policy.
One of your most important assets is your people. When an employee suffers a work-related injury or illness, you feel it – not only in your concern for the employee’s well-being, but also in direct costs (such as those to hire temporary replacement workers) and indirect costs (such as lost productivity). The Hartford assists you in minimizing workplace injuries and illnesses – and helps you get injured employees back to work as quickly as medically appropriate.
Through a unique partnership with BNK Insurance Services1, The Hartford’s real estate errors and omissions (E&O) liability insurance can help businesses in the real estate industry protect against the high cost of a lawsuit arising from misrepresentation and fraud or negligence. For example if a tenant makes claims of discrimination against a property owner. Coverage for residential home inspectors is also available. Each policy can be customized by the business based on the unique needs of the business and the services they provide.
 
1 BNK Insurance Services, LLC is not an affiliate of The Hartford.
Additional Solutions for Real Estate Owners & Managers
With malicious threats, contamination, and public violence lurking when least expected, property owners must be prepared to face the unthinkable. The Hartford offers protection to aid in addressing covered crisis events that take place on a scheduled property. Coverage is available for loss of income and other expenses associated with communications, publicity, and post event counseling for customers and invitees.
Our Green Choice additional coverages help our customers to upgrade to Green Construction methods, materials and recertification. Combined with coverage for electronic car charging stations, The Hartford supports property owners that value environmental awareness.
The Hartford’s innovative Risk Engineering team strives to help real estate companies preserve their properties and run safer with risk engineering services that include sprinkler system evaluation, information on preventative maintenance for electrical and mechanical equipment, and property consultation visits, especially valuable for multi-tenant properties, and more.
 
TREO, our RMIS solution, is designed to simplify claims management and help you effectively lower loss costs. It enables the power of data and analytics, creates transparency – highlighting proof points and identifying the root causes of cost drivers, allows individual and portfolio claims management, and lets you customize claims-trend tracking.
The Hartford offers U.S. domiciled companies a spectrum of coverage that goes far and wide. Whether you need to cover employees traveling abroad or a whole overseas enterprise, The Hartford can offer the right package of protection with options ranging from The Hartford Passport Package to The Hartford’s Controlled Master Policy (CMP) with local multinational policies – in one coordinated insurance program.
 

Real Estate Customer Claims Reviews

About our Customer Reviews

The Hartford publishes reviews so you can read about actual experiences our customers have shared. The reviews on this site are individual descriptions of costs, savings amounts, and customer experiences with our products and services that will vary based on their unique circumstances. Please note that each review is presented in its original form after having been reviewed by The Hartford and reviews are not representative of all customers.

Guidelines for reviews

The Hartford publishes reviews in order that site visitors may learn from actual experiences our customers have shared.

The Hartford applies several guidelines in the consideration of customer reviews for publication on our web site.

In general, reviews are published if they are relevant to the experience and not defamatory.

While the application of publishing guidelines is a subjective process, the following are frequent reasons which may prevent posting of a review:

  • Derogatory, abusive, threatening or offensive language and statements will disqualify a review from being published.
  • In order to protect our customers' privacy, and that of our employees and business partners, reviews containing personally identifiable information will not be published.
  • We do not publish reviews citing exact premium and settlement amounts.
  • We do not publish reviews that include a description of illegal activity or reference pending or current litigation.
  • We do not edit, correct, or modify ratings or reviews, regardless of content or tone.
 

For Smaller Firms

Smaller real estate firms typically require specialized insurance coverage.
 
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.