Real Estate

Risk Solutions That Evolve With Your Real Estate Clients

Your Real Estate clients face complex risks that are constantly changing. Whether it’s preparing for a catastrophe or preventing slips, trips and falls, our holistic approach to risk solutions helps ensure your client’s assets and operations are protected.

Our Target

  • Commercial, Non-Residential Building Owners
  • Commercial Property Managers
  • Real Estate Investment Trusts (REITs)
  • Light Industrial
  • Retail Properties
  • Residential Property Managers
  • Real Estate Agents and Managers

Specialized Protection

We offer a range of customizable coverages to meet the specialized needs of the real estate industry:
  • Property Choice® with industry-specific endorsements provides enhanced business income coverage for real estate owners and managers
  • Property Choice® Elite for businesses with large limits or more complex risks. We also provide coverage solutions for Excess Property, Shared/Layered and more.
  • Our General Liability Choice® product provides:
    • Per location aggregate limits
    • Up to 180 days of coverage for newly acquired or formed real estate organizations Additional insured status for investor-owners of the property managed by the insured
    • Choice of medical payment limits for third-party claims
  • Marine coverages with builders’ risk for new construction and installation of new equipment
  • Pollution legal liability designed especially for those who own, lease, operate, manage or develop real estate property
  • The Hartford’s CyberChoice First Response PolicySM is an all-in-one cyber solution to protect businesses before, during and after a cyber attack
  • Directors, Officers and Company Liability Policy for Real Estate Investment Trusts Association form offers broad D&O protection for REITs belonging to a trade association

Risk Engineering

With property specialists, our risk engineering team helps clients maintain business continuity while improving their bottom-line. We offer a range of services including:
  • Property risk engineering surveys, especially valuable for multi-tenant properties
  • Water damage risk assessments and consultative services on developing a water damage prevention plan
  • Automatic sprinkler system and water supply evaluation
  • Roof inspection and maintenance program review
  • Electrical Preventative Maintenance Review and Evaluation
Larger real estate clients also benefit from TREO | Track Risk. Explore Opportunities.SM – our web-based risk management information system that provides self-service tools and functionality for assessing, understanding and controlling risk.

Specialized Claims Service

Our claims services include:
  • 24/7 claim reporting, important in commercial real estate where slips and falls account for nearly 70 percent of third-party claims
  • Certified public accountants to support business interruption claims
  • Expert advice and training on contractual risks
  • Investigative services to help eliminate fraudulent claims