Large-account specialists · typically $50,000+ premium
Commercial real estate insurance, brokered for large portfolios.
Multifamily, high-TIV master programs, catastrophe-exposed property, and builders risk/OCIP. We rebuild and remarket the programs standard agents can't place, and put your account in front of the carriers that actually want it.
Property renewals are softening (-6.3% in Q2 2026, -7.4% forecast for Q3 2026). Liability isn't. If your renewal doesn't show the difference, it may not have been properly marketed. See the rate barometer
Lender or loan officer? Check a borrower's insurance against your loan requirements
Send your renewal date
Tell us about the account. We respond within one business day.
Book 20 minutes or call (205) 999-4884
The hard-to-place classes we place
Where a specialist broker changes the outcome.
Multifamily & Apartment (Habitational) Insurance
Habitational property, liability, and umbrella for owners and operators of 50 to 10,000+ units.
Learn moreReal Estate Portfolio & High-TIV Master Programs
Master property and schedule programs for portfolios with $100M to $2B+ in total insured value.
Learn moreCatastrophe, Coastal & Wind/Hail Property Insurance
Capacity for the hard-to-place risk: coastal wind, named storm, hail belt, flood, and quake.
Learn moreBuilders Risk & Owner-Controlled Insurance Programs (OCIP)
Builders risk and wrap-up (OCIP) programs for ground-up and value-add projects from $25M to $100M+.
Learn moreBuilt for institutional real estate
Owners, operators, funds, and developers in the asset classes that carry real premium.
Advisory, not just placement
The strategic work that lowers total cost of risk, for owners and CFOs who want more than a renewal quote.
Free tools
See what your insurance is doing to NOI and value.
Insurance is an expense you can move in sixty days, and every dollar of it carries about fourteen dollars of asset value at a 7% cap. Our multifamily calculator puts the premium into the terms you underwrite in — cost per unit, percent of EGI, DSCR, and value at your cap rate. No email required to see your numbers.
Run your numbersAlso free: wind & hail deductible calculator · hotel insurance calculator · coinsurance penalty calculator · commercial insurance rate barometer
Coastal or wind-exposed? See how we place catastrophe and coastal property insurance. Section 8, HUD, or LIHTC properties? Read about insuring affordable housing portfolios.
- Insurance cost per unit, % of EGI, % of opex
- Value created or destroyed at your cap rate
- The premium increase that trips your DSCR covenant
- Wind deductible, coinsurance, and loss-of-rents gaps
Our approach
How a real broker changes your renewal
01
We dissect your current program
Coverage, valuation, deductibles, pricing. Line by line, until we know what's costing you money and where you're exposed.
02
We market it broadly
Domestic, E&S, and London capacity, including the specialty markets a standard agent never calls.
03
We structure & manage it
Layered limits, lender compliance, and a renewal that starts 90+ days out instead of two weeks before the term expires.
Why owners and CFOs work with us
- We only take large accounts, $50,000+ in premium, so the work goes deep instead of wide.
- Direct access to specialty and surplus-lines markets for hard-to-place and CAT-exposed risk.
- We manage lender and equity insurance requirements so closings don't stall.
- We place coverage nationwide. Where Dan isn't licensed, placement goes through a producer licensed in that state.
Free renewal review
Send your renewal date.
We'll reply within one business day with when to start marketing it and what to have ready. Built for accounts with $50,000+ in annual premium.
- A second set of expert eyes on your program, free.
- Marketed to the carriers that actually want your risk.
- No obligation, fully confidential.
Book 20 minutes or call (205) 999-4884