Real Estate Portfolio & High-TIV Master Programs
Master property and schedule programs for portfolios with $100M to $2B+ in total insured value.
By Dan Wentz, commercial real estate insurance broker · Updated
Once a portfolio crosses into nine figures of insured value, a policy per building stops making sense.
The right structure is a master program: every asset on the schedule of values under blanket limits, with agreed valuation, capacity layered and shared across carriers, and lender compliance handled once instead of loan by loan. We design these placements, take them to domestic and London markets, and run the renewal as a planned process instead of a fire drill in the last two weeks of the term.
Who this is for
Built for accounts like yours
Coverage
What we structure
Master / schedule property
Blanket building and rents limits across the SOV, agreed valuation, and catastrophe exposure that has been modeled rather than guessed at.
Layered & shared placements
Quota-share and excess towers across domestic, E&S, and London capacity when one carrier shouldn't hold the whole limit.
Insurance-to-value strategy
Replacement cost drifts above the schedule as construction costs rise. We build valuations that survive a coinsurance or margin-clause test at claim time.
Lender & loan compliance
Evidence of insurance, waiver and endorsement management, and SOV reconciliation so closings and servicer audits don't stall.
Tools & guides
Tools and guides for this asset class
Free tool
Wind & Hail Deductible Calculator
Free, no email required: a percentage deductible applies to each affected location's insured value, so one storm applies several. Size what you actually retain, per location, per storm, and per season, and what a buy-down is worth against it.
Run your scheduleFree tool
Coinsurance Penalty Calculator
Free, no email required: a coinsurance clause cuts every claim, not just a total loss, when the limit trails replacement cost. See the exact payout on your loss, the penalty across loss sizes, and what it takes to cure the gap, plus the margin clause that replaces it on blanket programs.
Run your numbersGuide
Wind Deductible Buy-Down Guide
A 5% named-storm deductible on a $20M building is $1M out of pocket. How a buy-down shrinks that retention, what it costs per dollar removed, when it pays, and how to place it before hurricane season.
Read the guideGuide
Replacement Cost Value Guide
Why your limit should be built on what it costs to rebuild, not what the building would sell for, how that number is calculated, and how a stale one shrinks every claim under a coinsurance clause.
Read the guideMore guides
- Hotel Portfolio Insurance GuideOwn three or more hotels? Blanket vs. scheduled limits, catastrophe aggregates across locations, brand and lender requirements, and a portfolio review checklist.
- Lender Insurance Requirements GuideWhat lenders require, Fannie Mae and Freddie Mac deductible and liability limits side by side, and where to find the requirements in your loan documents.
- Hired and Non-Owned Auto GuideWhy general liability won't answer an employee's crash on company business, where HNOA comes from, and a checklist for owners and managers.
FAQ
Common questions
What is a master or schedule insurance program?
One property program covering every asset on your schedule of values (SOV) under blanket limits, instead of a separate policy per building. Total cost of risk drops and lender compliance gets simpler. Just as important at renewal: you become one large account a carrier wants to keep, not forty small ones it barely notices.
What TIV do you work with?
Middle market and up: roughly $100M to $2B+ in total insured value. Past a certain size, no single carrier will (or should) hold the whole limit, so we build layered and shared structures instead.
Can you handle multi-state and CAT-exposed schedules?
Yes. We model the catastrophe exposure on your SOV first, then place the program with the mix of carriers and capacity the modeling supports, including coastal wind, hail-belt, and quake-exposed locations.
Coverage described on this page is a general summary, not a quote, coverage recommendation, or offer of insurance. Requesting a quote doesn't bind coverage. Terms, exclusions, and availability vary by carrier, state, and property, and only the policy actually issued determines coverage. Insurance is placed through producers licensed in the state where the property is located.
Free renewal review
Talk to a portfolio & high-TIV specialist
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