Commercial Real Estate Owners, including shopping centers, office buildings, and other commercial buildings.
Overview of the Program From AI Risk
AI Risk offers a comprehensive Real Estate insurance program tailored for commercial real estate owners. Designed to address the complex exposures faced by property investors and managers, this program provides broad coverage and flexible underwriting to meet the unique needs of each account. As both a Managing General Agency and a Carrier, AI Risk brings specialized expertise and market access to help agents place a variety of commercial property risks.
Ideal Accounts and Appetite
This program is best suited for mid-size to large commercial real estate owners across a wide range of property types. Target classes include:
- Shopping centers and strip malls
- Office buildings and business parks
- Industrial and warehouse facilities
- Mixed-use and multi-tenant commercial properties
For example, you might have a client with a regional portfolio of suburban office buildings or a real estate investment group managing several shopping centers—these are well within appetite.
Coverage Highlights and Advantages
The AI Risk Real Estate program offers a broad suite of coverages to protect against property damage, liability claims, and operational risks. Available coverages include:
- Property
- Inland Marine
- Machinery and Equipment Breakdown
- Valuable Papers and Records
- Crime
- General Liability
- Commercial Umbrella
- Professional Liability
- Workers' Compensation
This comprehensive package helps insureds manage everything from slip-and-fall liability to catastrophic property losses. The availability of umbrella and professional lines allows you to build customized protection for complex risks.
Underwriting Notes and Minimum Premiums
AI Risk underwrites each submission with a focus on quality property ownership, loss history, and risk management practices. The program requires a minimum premium of $50,000, making it ideal for larger accounts or portfolios with substantial insured values and/or multi-location risks.
Territories and Availability
The Real Estate program is available in all 50 states plus the District of Columbia. Whether your client is operating in major metro areas or secondary markets, AI Risk can help you place coverage across a broad geographic footprint.
Why Work With AI Risk on Real Estate Accounts
AI Risk combines underwriting expertise with access to AIG-rated paper to deliver reliable and competitive solutions for commercial real estate. As both a Managing General Agency and a Carrier, AI Risk offers the flexibility to tailor coverage and pricing to fit complex risks. Agents benefit from responsive service, deep industry knowledge, and a focus on building long-term partnerships.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include owners of shopping centers, office buildings, and other mid- to large-size commercial real estate properties.
What is the minimum premium for this program?
The minimum premium starts at $50,000, making the program suitable for larger or multi-location risks.
What coverages are available under the Real Estate program?
Coverages include property, general liability, inland marine, equipment breakdown, crime, umbrella, professional liability, and workers’ compensation.
Is the program available nationwide?
Yes, the program is available in all 50 states and the District of Columbia.
Who is the carrier backing this program?
The program is backed by AIG, providing strong financial support and claims handling capability.
Need help placing an account? Connect with a market specialist.