Habitational liability
A tenant or visitor is injured on the property and looks to the owner to answer for it.
Real Estate and Property Insurance
Landlords, property managers, and habitational risks need coverage matched to the buildings you own or manage. When a property is older, vacant, or in a wildfire zone, we know where it will place.
What we cover
Common exposures in this line of work
Property and fire
Fire, water, and weather damage the building. California wildfire exposure makes some properties hard to place.
Vacancy
An empty or partly occupied building triggers exclusions on standard property forms.
Ordinance or law
After a loss, current building codes force costlier repairs than the original construction.
Coverage
Coverage real estate and property businesses carry
Commercial Property
The buildings you own or manage, at replacement cost.
General Liability
Slip-and-fall and habitational liability claims.
Business Owners Policy
Property and liability packaged for smaller portfolios.
Commercial Umbrella
Higher liability limits lenders and leases require.
Excess and Surplus Lines
Vacant, older, and wildfire-exposed buildings standard markets avoid.
Specialty market access
When a standard carrier declines the risk, we take it to the excess and surplus lines markets built for it.
Certificates without the wait
COIs and additional insured endorsements issued quickly, so you never hold up a job, a lease, or a load.
A licensed California broker
You work with a licensed broker who knows this line of work, not a call center reading a script.
Learn more
Related from the Menlo Library
Let us place your real estate and property risk
Tell us about the operation. We will find the market, standard or surplus lines, that fits it.