Real Estate Insurance, Benefits and Risk Advisory
Real estate owners and managers face numerous challenges — balancing rising premiums, evolving lender requirements and emerging exposures across portfolios that span commercial, residential and mixed-use assets. Standard programs weren't built for this. HUB's integrated advisory approach brings the right specialists together across property, liability, risk services and claims to protect what you've built.
Stay Ahead of Industry Challenges
Strengthen your real estate portfolio with insurance programs designed to hold
HUB works with real estate clients across commercial, residential, mixed-use, industrial and development portfolios, managing programs at every scale from single-asset owners to national platforms. That depth of experience means HUB advisors have seen how programs fail and how they can be designed to hold.
Top Risk Exposures
Risk Strategies & Solutions
Coordinated coverage for real estate portfolios spanning every asset class, ownership structure and tenant profile
Standard programs weren’t designed for the layered complexity of real estate — where a single portfolio can span multiple asset classes, ownership structures and tenant profiles. HUB coordinates specialists across property, liability, cyber, risk services and captive programs to build solutions that address how coverages interact and where gaps exist.
Tailored Solutions for Your Industry
Commercial property owners face a distinctive combination of pressures: sustained premium increases from a repriced market, tightening lender requirements on deductibles and coverage limits and emerging exposures from EV charging infrastructure, lithium-ion battery systems and building repurposing projects that standard commercial property policies weren’t designed to address. HUB advisors work with commercial real estate owners to build programs that satisfy lender covenants without overbuying, engineer submission packages that attract competitive carrier terms and identify coverage gaps before they surface in a claim. For large and complex portfolios, HUB designs layered and shared program structures that distribute risk across multiple carriers at the most cost-effective attachment points.
Residential investment properties — apartment buildings, multifamily housing, condos, co-ops and student housing — carry a liability profile that requires purpose-built program design. Assault and battery exposure, habitability litigation and tenant-related claims are underpriced in standard policies that don’t account for social inflation trends in residential real estate. HUB’s residential real estate insurance programs bring dedicated habitational expertise, with proprietary solutions including the HUB Tenant Liability Captive for property owners managing 2,000 to 10,000 residential units and the HUB Tenant Default Captive for owners seeking to replace traditional security deposits with a captive structure that can return underwriting profits to the owner.
Third-party property management companies carry a risk profile that differs materially from owner-operators. Management liability, errors and omissions (E&O) and professional liability exposures exist alongside the operational property and casualty coverages that apply to all real estate entities. Compliance failures under the Fair Housing Act and Americans with Disabilities Act (ADA), lease disputes and tenant injury claims all route to the management company when third-party oversight is the operating model. HUB’s property management insurance practice builds programs that address both the operational exposures of managing physical assets and the management liability exposures that arise from the manager’s role between owners and tenants. Cybersecurity and crime coverage are also core components, as property managers handle tenant payment data, wire transfers and access credentials that make them targets for fraud and ransomware attacks.
HOAs and condo boards manage the governance, common property and insurance obligations for thousands of units, often without dedicated insurance expertise on the board. Coverage gaps in directors and officers (D&O) liability, fidelity and crime coverage and property insurance for common areas create exposure that surfaces at precisely the moment the board is least equipped to manage it. HUB HOA Complete offers a packaged solution for qualifying HOA and condo communities — combining property, liability, crime and auto coverage with immediate policy issuance and online claims access. For larger or more complex associations, HUB advisors design tailored programs that address the full governance and property insurance picture.
Industrial and warehousing properties face emerging fire and property damage exposures from lithium-ion battery storage systems and EV charging infrastructure that standard commercial property policies don’t adequately address. Developer and subdivider clients require integrated programs spanning builder’s risk, environmental liability, surety and professional liability: coverages that interact across the development lifecycle. Shopping center owners managing diverse tenant mixes — including non-standard tenants such as cannabis dispensaries — require carriers that don’t exclude specialty retail uses. HUB Shopping Center Insurance addresses this gap with purpose-built coverage for single and multi-tenant retail environments. The Real Estate Excess Liability Shield provides additional excess liability capacity for real estate owners and operators managing concentrated portfolios.
HUB's Impact
Programs built to perform when a portfolio is tested
HUB’s real estate programs are built for how property risk unfolds — not just under favorable conditions. When catastrophes hit, claims escalate or lender requirements tighten at renewal, program design decisions made early determine how quickly owners recover and at what cost. HUB’s claims advocacy and carrier relationships have helped real estate clients resolve difficult claims and maintain program stability.
Case Studies
Industry Insights
Real estate insights and research
