01
Renewal shock in exposed markets
Renewals of 30-100% are common in CAT-exposed states. We help teams benchmark options earlier and understand the coverage tradeoffs.
Commercial Real Estate Risk Management
The Risk Management Solution ForCommercial Real Estate
CRE insurance is broken. Replace a once-a-year broker workflow with real-time policy analysis, gap detection, and cost reduction built for investors and developers.
Built for Real Estate
Policy analysis, benchmarking, claims support, and specialist advisory in one risk management model.
Renewal pressure
30-100% in CAT markets
Real Estate pain points
The risks your broker
should already be naming
Investors and developers manage moving risk across properties, contractors, lenders, certificates, claims, and CAT-exposed renewals. The insurance strategy needs to scale with the portfolio.
02
Portfolio sprawl
Every policy, every COI, every claim, and every property schedule should be visible in one place instead of scattered across email and PDFs.
03
Developer-specific risk
OCIPs, CCIPs, subcontractor compliance, Builder's Risk, and contract requirements need more than a generic broker workflow.
Traditional broker vs WithCoverage
The gap should be obvious
after the first conversation
For Real Estate, risk doesn't wait for renewal season. Without proactive risk management, issues slip through the cracks, leaving companies underinsured, overpaying, or often both.
Traditional broker
Accepts whatever comes back at renewal after the market has already moved.
Separates property schedules, COIs, claims, and contracts into disconnected workflows.
Does not always distinguish investor risk from developer risk.
WithCoverage
Builds a proactive plan around portfolio growth, development stages, and claims.
Surfaces policy gaps and renewal options through AI-backed analysis.
Gives teams one place for policies, COIs, claims, renewals, and follow-up.
BUILT FOR Real Estate
Same platform and team.
Deep Real Estate expertise.
We actually understand your risks because we've been on your side of the table. CAT-exposed property, Builder's Risk, lender requirements, tenant COIs, claims, and portfolio schedules: one team handles all of it, and stays with you at every step.
Portfolio coverage review
Analyze property, casualty, umbrella, Builder's Risk, lender requirements, and claim patterns across the portfolio.
Development risk support
Review OCIPs, CCIPs, subcontractor compliance, Builder's Risk, and contracts before gaps become claims.
Centralized insurance operations
Keep policies, certificates, claims, and renewal decisions visible to the teams that need them.
Expertise areas for Real Estate
PropertyBuilder's RiskOCIPs and CCIPsSubcontractor ComplianceCOIsClaims+ More
HOW IT WORKS
A proactive plan built
before you commit
We analyze your current program, build a risk plan around your business, then manage it with you year-round. The first two steps are on us before any agreement or cost, so you see the value before you decide.
01
Analyze the current program
We review policies, renewals, claims, certificates, contracts, and business context to identify gaps and market opportunities.
02
Build a proactive risk plan
Your team gets a clear plan for coverage, pricing, operational risk, and the decisions that should happen before renewal.
03
Manage risk year-round
WithCoverage supports policies, COIs, claims, renewals, benchmarking, and ongoing advisory in one operating model.
Free assessment
See what your current program
is missing
A full audit of your current program, benchmarked against the market, where we show what isn't covered, and what you're overpaying for.
“WithCoverage saved us $210,000 year over year despite us growing. They also offer a more specialized team of insurance experts that integrate within our team and specifically handle the entire claims process. Everything is then tracked in their digital platform so we always know what’s going on across our business. We don’t have a risk team in house and WithCoverage fills that function for us.”
Hemanshu Patel
CFO, The Escape Game