Real Estate Risk Management & Total Cost of Risk
Total cost of risk strategy for owners, funds, and CFOs. Not just a policy.
Premium is the number on the invoice. It is not your cost of risk. Deductibles, retained losses, valuation accuracy, claims outcomes, and the capital sitting against all of it move the real figure, usually more than rate does. We work as an outsourced risk function for owners and CFOs, which means modeling total cost of risk instead of quoting a renewal, setting retentions on purpose instead of by default, and pressing claims until the recovery matches the coverage you paid for.
Who this is for
Built for accounts like yours
What we bring to the table
Total cost of risk modeling
Premium, retained losses, deductibles, and cost of capital in one number you can defend to a board.
Deductible & retention strategy
Where to retain, where to transfer, and what each choice does to cash flow.
Captive & alternative risk
Group and single-parent captive evaluation, plus parametric structures where they beat the traditional market.
Claims advocacy
We manage and push claims so recoveries match the coverage you bought.
Common questions
What is total cost of risk?
TCOR is everything carrying risk actually costs you: premiums, retained and uninsured losses, deductibles, risk-control spend, and the capital tied up behind it. Owners who manage that whole number are the ones whose insurance cost falls over time. Chasing premium alone mostly just moves cost around.
Should our portfolio consider a captive?
Sometimes. With enough predictable, retainable risk, a captive recaptures underwriting profit and smooths volatility. Without it, a captive is an expensive hobby. We model your portfolio's economics honestly before recommending one either way.
Do you handle claims for us?
Yes, and it's core to the work. We manage the claim process and press the carrier so the recovery reflects the coverage you paid for, not the first number the adjuster offers.
Get started
Talk to a risk management 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.