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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, proper insurance must be accounted for in these entities as well.

Whether you’re a single site or multi-location real estate company, we provide comprehensive support for our clients to help identify, quantify, manage and transfer their risks using an array of services and insurance products.

OUR REAL ESTATE PROFESSIONALS PROVIDE:

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CATASTROPHIC EXPOSURE ANALYSIS

  • Evaluation of wind and flood pool opportunities
  • Development of customized insurance programs designed to properly insure and safeguard all properties in clients’ portfolios
  • Catastrophic modeling of clients’ portfolios to conduct in-depth review of aggregate wind, flood, terrorism and earthquake exposures
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PORTFOLIO DEVELOPMENT ASSISTANCE

  • Partner/broker relationship management
  • Lender contract reviews and insurance coverage assessments
  • Insurance cost estimations for new clients’ developments, properties and projects
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REAL ESTATE PORTFOLIO MANAGEMENT

  • Cost and coverage management
  • Tenant and contractor management
  • Integrated insurance program placement and management

MANAGEMENT LIABILITY GUIDANCE

  • Catastrophic Risk Transfer
  • Assessment of business goals and risk exposures to provide the best protection
  • Access to specialty forms that offer broader language vital to dynamic real estate companies with unique ownership structures and uncommon claim scenarios
  • Equipping senior management and directors with a secure risk transfer and mitigation environment to allow them to perform duties without undue fear from the personal liability associated

INTEGRATED CLIENT SERVICES

  • Proactive insurance assessments and consultations
  • Guidance with compliance obligations
  • Tools to ease insurance program management
  • Certificate monitoring
  • Premium allocation models for clients and validation systems
  • Claims management
  • Risk and loss control services and disaster recovery/contingency planning
  • Safety publications for distribution to clients’ properties

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, proper insurance must be accounted for in these entities as well.

Whether you’re a single site or multi-location real estate company, we provide comprehensive support for our clients to help identify, quantify, manage and transfer their risks using an array of services and insurance products.

OUR REAL ESTATE PROFESSIONALS PROVIDE:

s

CATASTROPHIC EXPOSURE ANALYSIS

  • Evaluation of wind and flood pool opportunities
  • Development of customized insurance programs designed to properly insure and safeguard all properties in clients’ portfolios
  • Catastrophic modeling of clients’ portfolios to conduct in-depth review of aggregate wind, flood, terrorism and earthquake exposures
m

PORTFOLIO DEVELOPMENT ASSISTANCE

  • Partner/broker relationship management
  • Lender contract reviews and insurance coverage assessments
  • Insurance cost estimations for new clients’ developments, properties and projects
n

REAL ESTATE PORTFOLIO MANAGEMENT

  • Cost and coverage management
  • Tenant and contractor management
  • Integrated insurance program placement and management

MANAGEMENT LIABILITY GUIDANCE

  • Catastrophic Risk Transfer
  • Assessment of business goals and risk exposures to provide the best protection
  • Access to specialty forms that offer broader language vital to dynamic real estate companies with unique ownership structures and uncommon claim scenarios
  • Equipping senior management and directors with a secure risk transfer and mitigation environment to allow them to perform duties without undue fear from the personal liability associated

INTEGRATED CLIENT SERVICES

  • Proactive insurance assessments and consultations
  • Guidance with compliance obligations
  • Tools to ease insurance program management
  • Certificate monitoring
  • Premium allocation models for clients and validation systems
  • Claims management
  • Risk and loss control services and disaster recovery/contingency planning
  • Safety publications for distribution to clients’ properties

WE SERVE

Fully-integrated Real Estate Companies | Family Offices | Property Managers | Real Estate Investment Trusts | Private Equity Funds | Private Owners | Developers

WHY AHT?

DEDICATED REAL ESTATE TEAM

  • Team of experienced professionals focused entirely on the real estate space gives us a nuanced understanding of client needs and evolving risk landscape
  • Extensive resources and capabilities available to clients for successful implementation of insurance programs
  • Account servicing that goes beyond the renewal to maintain a streamlined risk management approach

COMPLETE MARKETPLACE ACCESS

  • Long-term relationships with national carriers and key partnerships with international brokers provide global access to insurance market
  • Cost-saving renewals generated thorough marketing efforts across multiple carriers to achieve competitive pricing and best-in-class terms and conditions

INTEGRATED RISK MANAGEMENT APPROACH

  • Detailed assessment of all exposures and risks to provide clients with a comprehensive and elevated insurance schedule
  • Skilled claims personnel with hands-on claims management that includes reviewing claims reports, tracking open claims and securing claims payments

DID YOU KNOW?

AHT works towards developing a Master Program for our real estate clients to include one property policy, one general liability policy, one umbrella policy and one OCIP or CCIP policy, if applicable. New properties can be added easily and cost effectively with such a program.

OUR PHILOSOPHY

We work with clients to understand the practical interaction of insurance policies with real-world activities. The investment and management of real estate in the modern age creates a risk profile where single events are likely to involve multiple insurance policies and quite possibly multiple platforms. Our goal is to create and maintain an insurance platform across organizations that meet their unique needs.

OUR METHOD

WHAT’S THE COMMON PITFALL AMONG MOST INSURANCE BROKERS?

They stratify risk by insurance policy rather than risk profile. Whether it be the “property group” or the “environmental group”, insurance company’s typically self-segregate expertise by coverage. Businesses don’t operate within the guidelines of insurance policies – nor should they.

HOW IS OUR APPROACH DIFFERENT?

We look at a company’s risk in its totality to get a clear picture of the exposures, then allocate each exposure to the appropriate risk transfer mechanism. Real estate in the modern age has diverse risk exposures that extend beyond property insurance. Lenders, partners and even employees propose complex and ever-changing needs from insurance relationships.

We view risk exposures in three distinct areas and have found that the vast majority of exposures can be identified and measured by understanding the interaction of these pillars:

 

Decision Making and Leadership

Real Estate Assets & their Protection

People & their Relationship to Leadership & the Assets

CLIENT SUCCESS

AHT’s real estate professionals work with a prominent real estate fund out of the Northeast. This client asked us to work with their partners to review and understand how a portfolio of assets in southern Florida were interrelated and insured. We reviewed the programs and determined that the portfolio was drastically under-insured and overpriced. AHT created a new portfolio program for all the assets — solving several insurance and lender problems while saving the client 20% at the same time.

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