Liberty’s Real Estate & Property Program provides commercial insurance for residential, commercial, hospitality, and mixed-use property owners, operators, and investors, including multifamily and single-family rental portfolios, office and industrial properties, limited-service and boutique hotels, and mixed-use developments. Coverage includes commercial and habitational property, general and premises liability, D&O/E&O/EPLI, umbrella and excess liability, flood and earthquake, cyber liability, and loss of rents/business income, with programs structured to satisfy lender covenants and address the CAT exposure specific to each property type. The practice group also advises on builder’s risk for renovation and construction projects, HOA and condo association coverage, and umbrella limit strategy across diversified portfolios.
In today’s volatile commercial real estate market, property owners and investors face mounting, interconnected risks that threaten both asset values and income. Catastrophic weather losses, shrinking carrier capacity in habitational markets, and escalating premises liability verdicts have tightened underwriting, driving nonrenewals and sharp rate increases—particularly for older, CAT-exposed, and mixed-use properties. At the same time, lenders are intensifying insurance scrutiny, with coverage gaps and covenant violations increasingly delaying or derailing transactions.
The message for real estate investors is clear: traditional insurance approaches are no longer sufficient in this environment.
Talk to someone who gets it. Get access to industry experts, resources, and more.
Get coverage tailored to the unique risks impacting your business.
Dedicated claims advocacy with experience mod tracking and projections.
Liberty offers unparalleled experience in safeguarding real estate portfolios nationwide with deep industry knowledge, tailored coverage, risk mitigation strategies, and a dedicated claims team.
Our integrated coverage approach transcends traditional policy silos, creating seamless protection that eliminates costly gaps while optimizing capital deployment.
We engineer coverage that protects your NOI, satisfies lender covenants, and
Protect the property and equipment that you rely on every day.
Coverage designed for you and your employees.
Prepare for the unexpected with additional coverages.
Liberty’s Real Estate Practice Group represents a strategic convergence of specialized expertise rarely found in the brokerage landscape. Our leadership team brings decades of habitational and commercial property experience—including deep carrier relationships and program access that solves capacity challenges other brokers cannot address.
Founded in 1987, The Liberty Company Insurance Brokers has grown from a Californiabased agency into one of the nation’s premier insurance brokerages, with $2 billion+ in managed premiums across 80+ offices nationwide.
Our team includes habitational specialists, commercial property underwriters, and risk management professionals who understand the unique challenges facing real estate portfolios— from coastal exposures to aging infrastructure
We leverage relationships with top property carriers and exclusive programs for multi-family housing to secure competitive terms, broader coverage, and strategic advantages for our clients.
We identify potential exposures before they become claims, developing comprehensive risk mitigation strategies that protect your properties, operations, and income streams.
Our analytics capabilities transform complex loss data into actionable intelligence, allowing you to make informed decisions about retention levels, CAT strategies, and coverage limits.
