USA Worldwide About us News Careers Contact United States


Contact Us
  • Contact us for Chartis Inquiry / Questions
  • Phone: 877-TOSERVE
    (877) 867-3783

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. Chartis insures some of the world’s largest real estate enterprises and our diverse coverages span everything from property damage and terrorism to corporate governance, environmental exposures and commercial umbrella liability.

Featured Products Back To Top
  • Commercial Real Estate Property insurance with up to $1.5 billion in capacity. Primary, excess or Difference In Conditions basis. All risk cover, including boiler & machinery or named perils, available on broker manuscript, company or ISO forms.

    Stand-alone or embedded Property Terrorism also available.

    Upgrade to GreenSM - A commercial property endorsement that helps policyholders rebuild and replace personal property to a higher available LEED® certification, with a focus on energy and water efficiency, indoor air quality and sustainability.

    Historic Rehabilitation Tax Credit Insurance - Protects those that own, develop or invest in properties which qualify for federal and state rehabilitation tax credits against the financial loss they would suffer if the tax credit is lost during rehabilitation or recaptured after occupancy.

    Zoning Restriction Protector® - Protects lenders against a loss between the loan balance on the date of a property damage loss from an insured peril and the total insurance proceeds at the time of property damage if the same size building cannot be rebuilt due to zoning ordinances. Products that are targeted to address individual real estate concerns include Condos and Tenants Insurance and Excess Flood Insurance.

    Products targeted to address individual real estate concerns include Condos and Tenants Insurance and Excess Flood Insurance.
  • Primary Casualty programs providing General Liability, Workers' Compensation and Employers’ Liability and/or Auto Liability and Physical Damage on a combined or mono-line basis.  The Risk Management division specializes in guaranteed-cost programs and also offers loss sensitive, large deductible, self-insured retention and other flexible programs; including per location and overall aggregate limit options.

    Green Reputation Coverage and Green Indoor Environment Coverage -  Two Risk Management endorsements that offer reputation and bodily injury solutions for green building.

    Excess Workers' Compensation is also available.
  • Excess Liability - Real Estate Solutions offers up to $225 million in total capacity with unique flexibility in rate and form. Towers of excess coverage can be built with various attachment points and creative policy limit structures.

    The Real Estate & Financial Institutions division offers lead commercial umbrella placements with an industry-leading capacity of up to $50 million.  UmbrellaPrime®, a commercial umbrella policy designed to track closely with ISO’s most recent general liability form, offers a broad definition of named insured to address complex ownership structures such as LLC, JV, LLP and Partnerships.

    XSEnhancedSM: Real Estate - A collection of endorsements for real estate and hospitality businesses providing coverage for discrimination and extended coverage for professional and environmental 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.

    CAT Excess Liability provides up to $150 million in capacity on follow-form Occurrence, Claims-made and Dual Trigger; or Occurrence Reported forms. Integrated multi-line programs for Excess D&O, Side A DIC, Professional Liability and Employment Practices Liability.
  • Specialized Environmental solutions for existing pollution conditions or potential unknown environmental hazards compliment property and casualty programs to address environmental exposures such as soil and groundwater contamination, indoor air quality, toxic mold, lead, asbestos and storage tank.

    NAREIT®-Endorsed CleanREIT® - A robust pollution legal liability policy tailored for REITs and endorsed by the National Association of Real Estate Investment Trusts (NAREIT).

    PLL Real Estate® - A Pollution Legal Liability policy that offers site-specific coverage for pollution conditions at an insured property. Multi-year policies up to 10 years and optional microbial matter (mold) coverage available.

    Sustain-a-Build® Program - Designed to encourage environmentally-friendly construction by offering premium discounts for insured buildings that are LEED® certified.
  • RealSelect® - A highly flexible, multi-line program designed to provide efficient, customized protection for REITs, fiduciaries and trusts, property managers and other real estate entities.

    Real Estate Property Managers EPL/E&O Select® - An innovative multi-line solution for property managers that addresses complex GL, E&O and EPL exposures.

    RE Assure® - Addresses a broad spectrum of E&O exposures facing real estate agents, brokers and property managers.

    Directors & Officers Liability and General/Limited Partnership Liability - Designed for the D&O and employment practices liability exposures of real estate entities of all types. Separate policies to expressly respond to the risks of public and private firms. Protects virtually any partnership structure: Limited Partnership, General Partnership, Joint Venture, Limited Liability Company, Limited Liability Partnership, Combined Corporation and Partnership or REITs.
 
Platform Highlights Back To Top

Chartis has written insurance for the real estate industry for over 40 years, with substantial market penetration and long-term commitment to many classes.

Product Integration Teams
Dedicated real estate professionals in regional offices nationwide provide local access to all product lines.

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
Casinos

Experienced Claims Handling
– Designated claims adjusters for primary casualty real estate claims
– Equipment breakdown claims specialists and certified engineers and technicians
– Loss control program specialists
– Access to the nations' premier defense attorneys and foremost evidence experts and investigators
– Featuring IntelliRisk®, a web-based claims management system and iClaims®, a paperless claims filing process   

Global 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 facilities
– Physical 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.