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Real Estate

 We know the needs of a real estate organization are different than those of any other industry. Our Real Estate Practice builds a turnkey program by assessing each client’s risk tolerance and understanding each client’s current operational management style.

You have goals and ambitions. Marsh McLennan Agency has the specialists, experience, and resources to help you pursue them without limits.

We work with more than 5,000 real estate owners, developers, operating companies, investment firms, property managers, and other industry clients—all with one goal: to provide peace of mind. We understand the unique challenges this industry brings and have the specialization within commercial, multi-family, office and industrial real estate to provide solutions. Our dedicated team of industry experts has vast experience, a powerful network of resources, and is adept at identifying, quantifying, and managing risks specific to the real estate industry.

Real Estate Industry Services

The real estate industry is constantly evolving and the moving parts must be managed and insured properly. We have internal processes and procedures in place for every phase in real estate to ensure our clients are always taken care of and insured properly.

Insurance Program Audit and Development

We help thousands of real estate organizations protect their interests and secure their future through placement of comprehensive coverage with appropriate insurance markets.

Market Analysis

We have the ability to analyze insurance carriers, premiums, and products across all leading markets for the real estate industry.


We can compare your real estate organization to industry peers of similar scope and size. This provides simplified data and metrics on coverages, premium, and more—allowing you to make informed decisions on your insurance program.

Risk Management Analysis

Our team starts by analyzing your organizational structure to identify areas of exposure and create a list of entities that require insurance protection. We work with our clients to understand their ownership position throughout their portfolio.

Loss Review

Your loss history can explain where you’ve been, where you’re going, and how we can help you improve.

Claims and Litigation Management

We help manage the claims process and secure the best results for our clients. We facilitate claim reviews regularly with dedicated claims advocates and carrier adjusters.

Contract Review and Risk Transfer

Typically, a significant portion of a real estate organization’s risk is transferred to third parties. This could be from your subcontractors, outside ownership or management groups, your day-to-day vendors, or your tenants. We offer in-house certificate of insurance tracking and management to all our real estate clients.

Disaster Recovery & Business Continuity Planning

A proactive disaster recovery and continuity plan can significantly reduce the effects of a loss. We can assist in developing these plans in addition to crisis management and disaster response strategies to protect your properties and business.

Employee Health & Benefits

Attracting and retaining the best employees is one of the key deliverables in bringing together a cost-effective program along with wellness initiatives. We’ll work with you to customize an employee benefits program driven by your employee-base, long-term goals, and objectives.

Active Assailant

In response to the rise of active assailant attacks, we offer a proprietary coverage solution including crisis response services.

Meet John, a real estate risk specialist.

John Lane

Director, Loss Control
Dallas, TX

Marsh McLennan Agency Alliances

National Multifamily Housing Council

Frequently Asked Questions

Due to the value of the properties they manage, each real estate business owner is already faced with different exposures than many other entrepreneurs. You should protect your portfolio against common industry risks to ensure it can continue to be a valuable investment in the long term.

You can combine a range of coverage lines—from commercial property insurance to catastrophic and liability coverage—to protect your assets. This is what’s known as portfolio insurance.

Given the costs associated with construction stoppages and accidents, you should also safeguard the projects that are still in the development phase. For larger projects, builder’s risk insurance and owner’s protective professional indemnity coverage are necessary to guard against the contractors’ and design firms’ risks.

Marsh McLennan Agency offers dedicated services tailored to real estate businesses, including:

  • Budgeting services for acquisitions and dispositions
  • Catastrophic risk modeling
  • Claims advocacy
  • Contractual risk transfer with vendors, contractors, and tenants
  • Lender compliance
  • Negotiations of insurance requirements
  • Property valuation assessment
  • Risk control
  • Transaction management

Professional liability insurance can help defend service providers in the real estate industry from incalculable risks. For instance, new homeowners could be experiencing buyer’s remorse, or prospective tenants might claim to have been discriminated against at an open house. In these cases, professional liability coverage can help cushion the resulting legal costs or processing fees.

This type of coverage may include unfortunate events that aren’t unique to the real estate business, such as reimbursement in a crisis event.

Professional liability usually doesn’t cover instances of bodily injury or property damage. However, you can protect your business against those risks with dedicated coverage such as general and excess liability or commercial property insurance. Since your assets and exposure will differ from the next real estate business, it’s best to talk to a Marsh McLennan Agency consultant to determine which coverage your enterprise needs.

Property manager insurance supports real estate agents and property managers in dealing with their clients’ legal claims. It guards you against issues a renter or buyer might raise, which can require various coverage options, such as reputational harm or copyright infringement.

Each property is different and comes with unique claim profiles and coverage needs, and there’s no one-size-fits-all for property manager insurance. Depending on the chosen contract, your coverage may include incidents under three categories: tenant discrimination, general liability, and errors and omissions insurance. In some instances, supplementing these options with workers’ compensation insurance may be advisable.

Talk to a Marsh McLennan Agency specialist to determine which coverage matches your property managers’ requirements.

Aside from catastrophic risk, real estate businesses face a range of exposures linked to general economic conditions or the day-to-day risks of renting business property.

It’s usually best to consider major economic events, such as overall market conditions, property deprecation, and incidents that may only result from single tenants, like delayed pay or legal claims.

Your daily business activities are unique. Your coverage should reflect that, whether you’re considering guarding against data breaches with cyber insurance or following best practices by implementing replacement cost coverage.

Marsh McLennan Agency will gladly assist you in creating a combination of coverage lines to meet your business requirements.