Commercial Real Estate Insurance
Your portfolio is built to perform.
Your insurance should be too.
I help owners of large real estate portfolios, in every sector and all 50 states, build insurance programs that fit both their budget and their coverage needs.
The problem
Most portfolio insurance programs are built on habit, not strategy.
The last few years exposed it. Pricing whipsawed, coverage thinned out, and many owners simply renewed what they had because rebuilding it felt too complicated. That's the part I fix.
Budgets that won't hold still
One year property softens, the next year liability jumps. When the insurance line swings, NOI, distributions and refinance math swing with it.
Coverage that quietly erodes
New exclusions, lower sublimits and higher deductibles show up at renewal. The premium looks familiar. The protection isn't.
Programs built on habit
Many portfolios renew the same structure with the same markets every year. Nobody stops to ask if there's a better way to build it.
Why owners work with me
The right structure, not the easiest sale.
Solution-agnostic
There's no product to push. Sometimes the right answer is a standalone placement with one strong regional or national carrier. Sometimes it's a layered program built across many. The structure follows your portfolio, not the other way around.
Complex structures, explained simply
Quota-share and layered property programs that combine domestic and London markets to reach the limits you need, with liability built the same way. You get a full deep dive, and you walk away understanding exactly what you bought.
Programs most brokers can't offer
Access to proprietary programs, including a 3-year liability rate lock, captives and alternative risk solutions, alongside the full open market.
The toolkit
Every structure on the table.
Because I'm not tied to one product, I can put the simple option and the sophisticated option side by side and let the numbers decide.
Standalone placements
One strong regional or national carrier when a simple structure is the smart one.
Layered & quota-share property
Capacity built across domestic and London markets to reach the limits your portfolio and lenders need.
Liability & umbrella towers
Primary, umbrella and excess sized to your real exposure, not a round number.
3-year liability rate lock
A proprietary program designed to take liability volatility out of your budget for three years.
Captives & alternative risk
For portfolios ready to retain more risk, keep more premium and gain more control.
Full program deep dive
A line-by-line review of forms, exclusions, sublimits and lender requirements before anything goes to market.
Sectors
Every kind of real estate. Every state.
Large portfolios rarely fit one box. I work across every asset class, including mixed portfolios that span several.
Multifamily
Multifamily insurance for large apartment portfolios.
Commercial & Retail
Insurance programs for retail and mixed-use commercial portfolios.
Industrial
Insurance for industrial and logistics portfolios.
Office
Insurance programs for office portfolios.
Hospitality
Insurance for hotel and hospitality portfolios.
Data Centers
Insurance for data center owners and developers.
How it works
Four steps. No black box.
- 1
Deep dive
I learn the portfolio: schedules, loss history, lender requirements, budget and how much risk you want to hold.
- 2
Design
We decide what the program should look like before talking to a single carrier.
- 3
Go to market
Regional, national and London markets, plus proprietary programs, all competing for your business.
- 4
Explain & bind
You see every option side by side in plain English, then choose. No surprises in the policy later.
“Insurance should be the part of the business you don't have to think about. My job is to make sure that when something goes wrong, the coverage does exactly what you thought it would.”
Nick Maff
Questions
Straight answers.
What size portfolios do you work with?
I focus on large real estate portfolios: owners, operators, sponsors and funds with multiple properties. If you're not sure you're a fit, reach out anyway and I'll tell you honestly.
Which property types do you insure?
All of them: multifamily, retail and commercial, industrial, office, hospitality and data centers, including mixed portfolios that span several asset classes.
Where do you work?
All 50 states. There's no single-market focus, so portfolios spread across many states can live under one coordinated program.
What is the 3-year rate lock?
A proprietary liability program designed to keep your liability rate stable for three years instead of re-pricing every renewal. Eligibility and terms vary by portfolio and state.
Is a captive right for my portfolio?
Sometimes. Captives and alternative risk structures can make sense for larger portfolios with good loss history and appetite to retain risk. I'll show you the numbers next to the traditional market so you can decide.
How do we get started?
Send a note through the contact form with a little about your portfolio. We'll set up a conversation and I'll tell you what I'd look at first.
Get a second look at your program.
Tell me about your portfolio. I'll tell you honestly whether there's a better structure, a better price, or neither.
Start the conversation