Ryan Specialty National Programs offers a streamlined program for real estate investors and financial institutions that need consolidated, easy-to-administer insurance for portfolios of properties and collateral. The program pairs a single master policy with a 24/7 online portal for reporting, invoicing and certificate issuance — so you can manage multiple locations, print certificates instantly and make policy changes without jumping between carriers or systems. Contact Ryan Specialty National Programs for a live demo of the reporting system.
Program Highlights
- Available nationwide in most states (see Territories below)
- Single master policy for investor portfolios and lender-placed programs
- Secure online administration and 24/7 reporting portal
- Monthly itemized billing with premium earned on a daily prorated basis
- Flexible, customizable program structure and special coverage options
Ideal Accounts & Appetite
This program is built for agents placing real estate investor and lender-protective coverages. Typical target classes include:
- Real estate investors and landlords who hold multiple properties
- Rehab projects and residential “flippers”
- Trustees and estate-held property portfolios
- Property management companies that manage many units
- Financial institutions: commercial banks, credit unions, mortgage banks, savings & loans, and other lenders that require lender-placed hazard or flood coverage
Eligible Properties
- Residential dwellings (1–4 units)
- Manufactured homes
- Selected commercial properties (underwriter review — contact us)
- Vacant land and vacant property schedules
- Scheduled vehicles and collateral (auto lender’s collateral/vehicle protection)
Coverage Available
Coverage options are tailored to either investor portfolios or financial institution needs:
- General liability
- Property / REO (Real Estate Owned)
- Vacant property
- Lender-placed hazard and lender-placed flood
- REO hazard and REO general liability
- Mortgage impairment and forced coverage
- Auto lender’s collateral and vehicle protection
Underwriting Notes & Minimum Premiums
Underwriting focuses on portfolio-level controls, centralized reporting and clearly documented schedules of assets or loans. Typical submission items include supplemental applications, a schedule of assets or loans and premium and loss history for the current program. Minimum premium: Varies by risk — please submit details for a quote.
Territories & Admitted Status
Admitted status: Most Available States. Current availability includes:
AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY.
Why Place This Business With Ryan Specialty National Programs
As a program administrator focused on investor and lender-placed solutions, Ryan Specialty National Programs combines underwriting expertise with a technology-first service model. The single-policy, monthly-billing structure and web-based reporting reduce administrative overhead for agents and insureds, while customizable program terms let you tailor solutions for complex portfolios. The program is particularly useful when your client needs consolidated certificates, frequent mid-term changes, or lender-protective placement across multiple properties.
Example Accounts That Fit
- An independent investor who owns twenty single-family rentals and wants one master policy with monthly billing and instant certificate printing for tenants or vendors.
- A regional bank that needs lender-placed hazard and flood coverage for delinquent loans across multiple states with daily-prorated premium and scheduled reporting.
Submission Checklist
- Completed supplemental application(s)
- Schedule of assets or loans (by address or loan number)
- Premium and loss history for the current program
For more details or to request a live demonstration of the online reporting portal, submit the account information and an underwriter will review appetite and terms.