INSURANCE
SOLUTIONS

Property insurance safeguards your investments against physical damage and loss, covering a spectrum of assets from buildings, loss of rents and equipment. It’s designed to protect against perils like fire, theft, and natural disasters. Our agency’s expertise focuses on multiple real estate asset types including multifamily, retail, office, industrial, hospitality etc.

Casualty insurance provides protection against legal liability for losses caused by injury to other people or damage to the property of others, ensuring that accidents on your premises or operations don’t jeopardize your financial stability. We work with our clients to ensure that the correct risk management protocols are in place to minimize casualty losses.

Flood insurance offers a specialized coverage against water damage from flooding, an essential safeguard for properties in flood-prone zones that are not typically covered under standard property insurance policies. In addition to providing coverage through the NFIP, our agency also has access to a handful of alternative Flood Insurance programs.

We have also partnered with several Flood consultants in an effort to help our clients obtain LOMAs (Letters of Map Amendment) and remove assets from Special Hazard Flood Zones if eligible. Strategies like this help our clients lower Flood premiums and/or remove the lender Flood requirements.

Cyber insurance is designed to mitigate risks associated with digital threats, offering coverage for data breaches, cyber attacks, and other tech-related vulnerabilities that can compromise your sensitive information.

D&O insurance provides financial protection for your company’s executives, shielding their personal assets and your organization’s financial health from the fallout of legal actions taken against them for alleged wrongful acts in their managerial capacities.

Environmental insurance protects your business from the costs associated with environmental incidents, such as pollution cleanup and the remediation of contaminated land, water, or air, safeguarding against ecological liabilities.

Builders risk insurance offers coverage for buildings under construction, ensuring that the property and the various Hard Costs and Soft Costs are protected against risks like fire, vandalism, and weather damage during the course of the project.

OCIP/CCIP provides a centralized, comprehensive insurance solution designed for construction projects, where either the project’s owner (OCIP) or the primary contractor (CCIP) extends coverage to all participants, streamlining risk management and potentially reducing total costs. We work with Developers, Project Managers, Owner Reps, General Contractors and Owners helping them navigate the program that best fits their needs.

EPLI stands for Employment Practices Liability Insurance, which offers protection to employers against claims made by employees alleging discrimination, wrongful termination, harassment, and other employment-related issues, thus safeguarding the business from costly legal challenges and settlements.

A Fidelity Bond is a form of protection that reimburses an employer for losses caused by fraudulent or dishonest acts of its employees, such as embezzlement or theft, ensuring that the integrity of financial operations is maintained and the business is secured against internal malfeasance.

A Performance Bond is a type of surety bond that acts as a safety net for project owners, guaranteeing that the work will be completed according to the contractual terms and specifications, protecting them from financial loss if the contractor fails to fulfill their obligations.

A Surety Bond is a legally binding agreement involving three parties—the principal, the obligee, and the surety—where the surety assures the obligee that the principal will perform a set of tasks or fulfill a contractual commitment, providing a form of financial guarantee that strengthens trust in commercial and contractual transactions.

A Bid Bond is a debt secured by a bidder for a construction job, or similar type of bid-based selection process, to provide a guarantee to the project owner that the bidder will take on the job if selected, ensuring that only serious and financially stable contractors place bids, thus maintaining the integrity of the bidding process.

Inland Marine Insurance provides coverage for property in transit over land, as well as certain types of movable property, tools, equipment, and even bridges, tunnels, and communication towers. It’s a versatile form of coverage designed to protect assets outside of a standard property insurance policy, covering losses from transportation risks and exposures that may occur away from a fixed location.

Ocean Marine Insurance offers comprehensive protection for goods being transported over water. It covers a range of perils associated with sea voyages, such as weather hazards, piracy, and accidental damage, and is essential for international trade, covering not only the cargo but also the shipping vessels and any liability incurred during transport.