Real Estate Portfolio & High-TIV Master Programs
Master property and schedule programs for portfolios with $100M to $2B+ in total insured value.
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 the strategic event it is. Not a fire drill in the last two weeks of the term.
Who this is for
Built for accounts like yours
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
Roughly three-quarters of commercial properties are underinsured by 40% or more. 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.
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.
Get started
Talk to a portfolio & high-tiv specialist
Send us the current program, or just the renewal date. We'll tell you whether the structure, the pricing, or the coverage can be beaten. 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.