Real Estate

Overview

As real estate risks become more complex, it’s increasingly important to work with an insurance broker who takes a comprehensive view of your coverage needs.

  • Protecting your commercial or residential real estate risks under one, integrated program remains one of the best ways to reduce your total cost of risk.
  • As a leading insurance broker in the real estate industry, HUB has the leverage to deliver enhanced pricing and coverage terms from insurance carriers.
  • Our real estate knowledge enables us to speak directly to your specific needs and take an aggressive approach to finding the best coverage at the best value in the marketplace.

Whether you have office, retail, industrial or mixed-use exposures, HUB International can deliver a comprehensive insurance and risk management program tailored to your unique needs.

Connect with a HUB expert for your custom, strategic solution.

Related Coverages

We offer a full suite of insurance and risk services for real estate owners, developers and managers, including:

  • Building and Personal Property
  • General Liability
  • Commercial Auto
  • Crime and Fidelity
  • Workers’ Compensation
  • Employee Benefits

We also offer flexible, customized solution for the following needs:


Environmental

Most property and casualty policies do not insure pollution risk. HUB experts take the mystery out of assessing and obtaining proper levels of pollution coverage including:

  • Asbestos
  • Lead Paint
  • Mold
  • Bacteria
  • Fumes
  • Site development
  • Air quality

Green Building Coverage

Investments in “green building” can improve your operating costs while reducing environmental impact.

  • We evaluate your property insurance to ensure that you have the appropriate coverage when it comes to using sustainable building materials to repair, replace or rebuild lost or damaged property.
  • We review your needs and determine relevant insurance coverage including:
    • Limits in excess of those offered through the standard policies.
    • Option to upgrade real and personal property without tying those upgrades to a "green" certification level.
    • Co-participation loss feature for real property.
    • Actual loss sustained if you lose your LEED® certification that qualified you for certain government tax incentives, utility credits, reduced loan rates and other financial incentives.
    • Reasonable expenses incurred to retain LEED® accredited professionals to participate in the design, repair, replacement or rebuilding of damaged property.
    • Registration and certification fees charged by the U.S. Green Building Council to recertify real property.

Vacant Property

We help you address the challenges of vacant and partially vacant properties.

  • Standard property coverage isn’t sufficient for unoccupied buildings due to increased risk of theft and malicious damage as well as other risks.
  • When dealing with a vacant property, you need immediate response from your insurance broker. HUB experts offer a range of options and can bind and issue your policy within 24 hours.

Risk Services

We offer loss control and risk management solutions that improve your bottom, reduce hazard exposures, and foster a safer work environment.

Property Risk Consulting Services from HUB include:

  • Property risk assessments
  • Natural hazard assessments
  • Regulatory assistance
  • Fire protection system evaluations
  • Warning and detection system evaluations
  • Security management
  • Disaster recovery and business continuity planning
  • Emergency response planning
  • Merger and acquisition property risk management due diligence assistance
  • Proposed new building construction review

HUB risk consulting services are customized to address your exposures. Whether your business has single or multiple locations, we can support you through local consultants or through a robust national consulting platform.

Ask an Expert

James E. Hutchinson, HUB International Northeast

James is responsible for managing insurance company relationships for HUB International Northeast. He oversees a department of senior brokers responsible for the negotiation and placement of insurance coverage for clients. James specializes in the placement of difficult property and casualty business within the real estate industry. Contact James or connect with him on LinkedIn.

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