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Reference Material

Target Classes

Commercial and Residential Property Owners
Property Managers and Management Firms
Real Estate Developers
Office Buildings and Industrial Parks
Real Estate Investment Trusts (REITs)
Asset and Financial Managers
Public Housing Authorities
Hotels and Motels
Resorts (including Spas)
Time Shares

Real Estate Industry Solutions

With more than 40 years of experience and commitment to the real estate industry, Chartis delivers extensive expertise, substantial capacity, and flexible underwriting to the most complex real estate risks. From property damage and terrorism to corporate governance, environmental exposures, and commercial umbrella liability, Chartis Real Estate Solutions provides seamless access to the industry’s foremost insurance products and services.

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Products Back To Top

Categories		Products
Property		General Property - Available on a primary, excess, or difference in conditions basis Property Terrorism - Responds to acts of terrorism committed domestically and acts perpetrated by either U.S. or non-U.S. citizens Historic Rehabilitation Tax Credit Insurance - Protects policyholders who own, develop, or invest in federal rehabilitation tax credit properties against the potential loss or recapture of the tax credit Zoning Restriction Protector^® - Provides coverage protection against losses incurred when an insured building must be rebuilt due to zoning ordinances in effect the date of the property damage BioChem Shield^® - Coverage for property damage losses arising from terrorist attacks using biological or chemical weapons. Ecosurance - The latest addition to a suite of green insurance products developed to promote environmentally friendly practices and to respond to changing market needs. Evacuation Response - Enables institutions to insure evacuation expenses when a mandatory evacuation order from a local civil authority is given. LexCybersecure^® - A specialized insurance solution to protect a company’s digital assets. netAdvantage - A broad suite of network security, privacy, and cyber coverages designed to give companies the right amount of protection depending on their unique needs. OpShield^® - Responds to business interruption losses and extra expenses a business incurs when a civil or military order imposed following a terrorist act impedes its operations. Upgrade to Green^® Commercial - Allows policyholders to rebuild and replace personal property with a focus on energy and water efficiency, indoor air quality, and sustainability.
Primary Casualty		Combined Lines Casualty - General liability, workers’ compensation, and employers’ liability and/or auto liability and physical damage – on a combined or mono-line basis Guaranteed Cost Casualty - General liability, workers’ compensation, and employers’ liability and/or auto liability and physical damage – on a combined or mono-line basis Lexington Primary Casualty - Standalone general liability available from Lexington Insurance Lexington Guaranteed Cost Primary Casualty - Designed for REITs, lessor’s risk, office buildings Lexington Accidental Death and Dismemberment - Up to $50,000 per covered person with an aggregate per occurrence limit of $5 million with no retention. AD&D limits do not erode policy limits. This coverage is available in most states. Lex Idle Asset Liability Protector^® - Provides general and excess liability coverage to those entities that buy idle assets from residential homebuilders impaired by the residential construction market in today’s economy. Lexington Owner’s Interest Liability - Provides general liability insurance (excess of the general contractor’s policy and subcontractors’ policies) for vicarious liability the landowner or developer can face during construction; protection drops down to pay covered losses that are uncollectible under the general contractor’s policy; provides first dollar defense (subject to a retention) in the event the owner is brought into a claim. Policy also extended to provide completed operations coverage aligned with the statute of repose in the applicable jurisdiction for up to 10 years. Named Insured Wording - Comprehensive broad form named insured wording provides insured status to address the needs of property and asset managers, investment trusts, and other diverse real estate ownership structures. Green Reputation Coverage - Provides additional coverage for crisis management and defense costs when green buildings face media attention and public scrutiny; and coverage for defense costs arising out of covered adverse green claims. Green Indoor Environment Coverage - Covers specialized equipment and products used to improve air and water quality in green building. Hospitality Segment Endorsements and Services - Provides general liability coverage enhancements to businesses operating as hotels, motel, inns, resorts, food service providers, golf courses, country clubs and more; as well as liability coverage for damages relating to on-premises Safe Deposit Boxes.
Commercial Umbrella and Excess Casualty		Umbrella Prime^® - A commercial umbrella policy designed to track closely with ISO’s most recent general liability form, helping to eliminate gaps and inconsistencies between layers of coverage Lexington Umbrella - Ability to consider accounts with construction exposures as well as property management, building maintenance, and janitorial services Cat Excess Liability Traditional Forms - Catastrophic coverage for excess general liability, auto liability, and products liability CrisisResponse^® - A crisis management enhancement built-in to commercial umbrella policies providing policyholders with immediate claims support and first-dollar coverage outside of policy limits to help manage a crisis situation. XSEnhanced^SM: Real Estate - A collection of endorsements for real estate and hospitality businesses providing coverage for third party discrimination and professional liability for on-site services, as well as a stand-alone pollution endorsement that includes additional named perils and an extended time element provision.
Environmental		Environmental Infrastructure Solutions - First-of-its-kind environmental policy to help meet the demand for project owners and contractors of all disciplines who engage in the construction and operation of infrastructure projects PLL Real Estate - Pollution legal liability policy that offers site-specific coverage for pollution conditions at an insured property TankGuard^® - Storage tank liability insurance that provides environmental pollution coverage for third party claims for bodily injury and property damage resulting from pollution conditions from scheduled underground or aboveground storage tanks PIER (Pollution Incident and Environmental Response) - Pollution Incident and Environmental Response (PIER) provides our policyholders with access to pre-screened crisis management specialists who respond in a timely manner to environmental incidents at pre-negotiated rates regardless of whether the incident is covered under the policy. Environmental Portal - Portal is a secure, user-friendly, on-line portfolio management system accessible from any computer with an internet connection. SCAN^SM (Specialty Claims Assistance Network) - The Specialty Claims Assistance Network (SCAN) provides policyholders with access to specialists to swiftly address their indoor air quality issues, helping insureds mitigate water and mold damage. Sustain-a-Build^® Program - Designed to encourage environmentally-friendly construction and building operations by offering premium discounts for insured buildings that are LEED® certified.
Professional and Management Liability		Employment Practices Liability - Coverage for the first and third party employment practices exposures of real estate owners, managers, and developers Fiduciary Liability - Coverage for statutory and common law employee benefit plan fiduciary and administrative liability Commercial Crime / Financial Institutions Fidelity Coverage - Coverage for employee dishonesty, real property, and securities theft and fraud Transactional Insurance - Template buyer and seller side representations and warranties liability cover tailored to transaction-specific exposures Excess Financial Lines - Broad, follow form coverage, providing management, employment practices, fiduciary investment advisement, financial institutions and/or miscellaneous professional liability insurance, or commercial crime and financial institutions fidelity insurance Cat Excess Liability Omni Silver^® - Integrated multi-line program for excess directors and offices, A-side difference in conditions, professional liability, and employment practices liability Cat Excess Liability Omni Gold^® - Integrated multi-line program combining excess casualty and financial lines Cat Excess Liability Omni Platinum^® - Integrated multi-line program combining excess casualty, financial lines, and property Executive Edge^SM, PartnershipGold^SM, D&O 2 / 2000 Executive and Organization Liability Insurance, and Partnership PrivateEdge^SM - Specialized forms providing directors and officers liability coverages for public and private partnerships. Investment Management Insurance^SM - Specialized form providing integrated coverage for real estate investment company and managed fund directors and officers liabilities and third and first party investment management and securities distributor errors and omissions liabilities. Specialty Risk Protector^® - Modular policy that makes it easy for companies to secure multi-faceted E&O protection. Providing a simplified, customizable solution to respond to evolving customer needs, all readily attainable in one policy form. RealSelect^SM - Package policy, written with Lexington Professional Liability, providing integrated partnership directors and officers, entity securities, employment practices, property management, and pollution management errors and omissions liability coverages.

Claims Back To Top

Chartis’ Real Estate Industry Solutions insureds benefit from a claims operation comprised of approximately 500 high severity claims specialists – a team that has more experience handling complex claims than most other insurers. We have been providing claims services to the real estate industry for over 40 years. Our experience and expertise includes:

Experienced claims professionals
Access to vast claims management resources and networks
Specialized claims handling services
Unique services to help mitigate loss
Crisis solutions

Our extensive claims network and in-house expertise allow us to respond quickly to our clients’ claims needs and provide them with prompt and responsive claims service.

Real Estate Claims Profile (.pdf)

Loss Prevention Back To Top

Global Loss Prevention

Real estate entities benefit from the extensive loss control expertise and integrated services of our Global Loss Prevention team, with complimentary access to the RiskTool System, a custom web-based risk management platform.

Specialized loss control programs are tailored for a full spectrum of exposures and industry-specific hazards.

Casualty Loss Control Services

Best Practice Assessments and gap analyses
Facility maintenance, hazard identification and self-inspection programs
Organizational accountability, policies and procedures
Management of third party liability exposures, security and emergency preparedness
Technical support spanning management & employee training
Safety committees and communications
Recreational and food service facilitiesPhysical and personal security
Public and fire safety
Handling of toxic/hazardous materials
Fleet and valet services
Indemnity and COI programs
OSHA/DOT/EPA compliance

Property Loss Control Services

Real Estate Solutions offers real estate clients global loss control and consulting services that encompass hazard and risk identification, risk analysis, protection systems and risk mitigation strategies. Our highly experienced experts help policyholders optimally address complex physical damage and business continuity issues.

Global Loss Prevention Real Estate Highlight Sheet (.pdf)