Real Estate

Real estate owners, managers, and developers contend with a broad range of risks and, typically, extensive risk tracking requirements. Common property and casualty liabilities such as natural hazards and workers' compensation co-exist with more complex challenges, including partnership and contractual obligations, environmental liabilities and lender compliance. And, if more than one property exists in a portfolio, then proper insurance must be accounted for in these entities as well, demanding a solid document management system. Risk management conditions and requirements in the real estate industry can move from simple to complex very quickly.

AHT helps its real estate clients identify, quantify, manage and transfer their risks using an array of services and insurance products. Whether you are a single-site or multi-location real estate company, we provide comprehensive support such as proactive insurance assessments and consultations, hands-on risk management, guidance with compliance obligations and tools like MyRiskTracker to ease insurance program management.

Additionally, we can work with properties in your portfolio to design insurance programs that suit their individual needs while meeting your risk management criteria. Knowing that both your company and your portfolio properties are properly insured will enable you to achieve your business objectives and preserve your assets.

Who We Serve

  • Apartment owners and managers
  • Asset managers
  • Condo conversions and associations
  • Condominiums
  • Cooperative associations
  • Fiduciaries
  • Hotels and resorts
  • Investment advisors and managers
  • Property owners, developers and managers
  • Real estate investment trusts (REITs)
  • Real estate operating companies (REOCs)


  • Catastrophic Risk Transfer
  • Certificate monitoring
  • Claims preparation, oversight and consulting
  • Disaster recovery / contingency planning
  • Enterprise risk management
  • Invoicing for each location
  • Lease and contract review consulting
  • Lease compliance
  • Maintenance of all schedules
  • Mold prevention training
  • Premium allocation models and validation systems
  • Property pre-purchase due diligence
  • Risk and loss control
  • Safety publications for distribution to properties
  • Tenant insurance coverage evaluation


  • Automobile and aircraft
  • Business income and extra expense
  • Catastrophic loss (wind, earthquake, flood)
  • Directors' & officers’ liability
  • Employment practices, fiduciary, errors & omissions
  • Environmental-pollution and mold
  • Equity impairment
  • General liability and excess liability
  • Machinery breakdown / boiler
  • Property and excess property
  • Surety bonds
  • Terrorism
  • Umbrella
  • Workers' compensation

For more information, please contact the AHT real estate team.