Guides
Commercial real estate insurance guides
What we explain most often to owners and CFOs, grouped by the problem you are trying to solve.
Guides
Lenders & Debt
Lender Requirements
What CRE lenders require, how Fannie and Freddie differ, and where to find it.
Read the guideFannie/Freddie Named Storm
The 7.5% named storm deductible cap and where multifamily programs fail it.
Read the guideForce-Placed Insurance
Why lenders force place coverage, what it costs you, and how to get it removed.
Read the guideDSCR & Premium Increases
How a premium increase can pull DSCR under your covenant, and what to do first.
Read the guideGuides
Property & Wind
Replacement Cost Value
How replacement cost is set, and why a stale value shrinks your claim.
Read the guideWind Deductible Buy-Downs
How a wind deductible buy-back works, a worked example, and when it pays.
Read the guideAffordable Housing
Insuring Section 8, HUD, and LIHTC portfolios, and how to present the account.
Read the guideGuides
Hotels
Hotel Portfolios
Insuring three or more hotels under one program, and adding acquisitions mid-term.
Read the guideGulf Coast Hotels
Why Gulf Coast hotels land in E&S, and the steps to take before a refi or PIP.
Read the guideFranchise Requirements
What franchisors require your hotel to carry, and how to negotiate grandfathering.
Read the guideGuides
Liability & Claims
Negligent Security
How negligent security suits against apartment owners work, and what your GL policy covers.
Read the guideNegligent Security: Alabama
How Alabama courts treat crime-on-premises suits, and what to check in your GL policy.
Read the guideNegligent Security: Florida
Florida's presumption against liability for multifamily owners, and the records that prove it.
Read the guideNegligent Security: Georgia
Georgia's 2025 negligent security statute, fault apportionment, and what owners should do.
Read the guideCertificates of Insurance
Certificate holder vs. additional insured, and what to check on a contractor's COI.
Read the guideCaptive Insurance
Who a captive fits and who it doesn't, ballpark costs by structure, and a worked GL example.
Read the guideClaims Strategy
When to report, which claims to file, and how open claims affect your renewal.
Read the guideDocument Checklist
Which insurance documents to keep, how to file them, and what to update at renewal.
Read the guideFree tools
Run the numbers yourself
Our calculators use the same rules of thumb we use on client accounts.
Free renewal review
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