Real Estate and OL&T

Our experienced underwriters can tailor coverage for a wide array of exposures. We provide coverage solutions for target classes by providing Follow Form Professional coverage for BOP-related classes, and Follow Form Directors & Officers on association risks.

Target Business Classes Include

Real Estate and OL&T

  • Condo / townhome associations
  • Homeowners associations
  • Dwelling schedules
  • Commercial real estate
  • Commercial real estate development
  • Mixed-use development
  • Parking structures
  • Vacant land
  • Apartment
    • Prefer excess attachment for apartment business
    • No appetite for section 8, senior or student exposures


  • Up to $5M limits in lead or excess capacity


  • Follow Form coverage is available on a non-admitted basis in all states

Submission Requirements

  • Completed Application (Accord or other acceptable Umbrella Application)
  • Supplemental Application as needed, including a separate Liquor Liability Supplemental for risks with liquor exposures
  • Five (5) year loss summary
  • Loss detail for losses in excess of $50,000
  • Web site address
  • Expiring Umbrella / Excess carrier and premium
  • Underlying terms and conditions