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Owners, operators, and managers

Real Estate

Overview

What we do for real estate clients.

Real estate is one of our deepest practices. We work with owners, developers, syndicators, and property managers across habitational, mixed-use, retail, office, and industrial portfolios.

From a single brownstone to a portfolio of thousands of units, we structure programs that protect the asset, the operating entity, and the people running it day to day.

Real Estate insurance
Coverages

How the program comes together.

Property

Replacement-cost building coverage, ordinance & law, business income, and equipment breakdown — placed with carriers that understand habitational and mixed-use occupancies.

General Liability & Umbrella

Premises liability with excess limits sized to your portfolio, lender requirements, and lease obligations.

Workers' Compensation

Class-coded correctly and placed with carriers that understand real estate operations — from property management to maintenance and construction crews.

Cyber

Breach response, ransomware, and business interruption coverage — including regulatory defense for tenant data and building management systems.

Captive Insurance

For larger real estate portfolios, we design and administer self-insured captive programs that provide greater control over claims, improved cash flow, and customized coverage structures tailored to your risk profile.

Why United Risk

We've built relationships with the carriers that actually want habitational and mixed-use real estate, so we can move quickly on renewals, acquisitions, and refinance deadlines.