Ideal Accounts and Appetite
We write commercial real estate accounts of all sizes, including those that are underserved by standard markets. Our target classes include:
- Condominium associations
- Apartment buildings and garden-style apartments
- Senior housing and independent living residences
- Student housing
- Cooperatives
Typical fits range from smaller, single-site apartment buildings to large, multi-state senior living portfolios. We can consider developing risks and established properties; however, highly speculative developments or properties with unresolved code violations or significant unaddressed hazards may require additional underwriting review.
Coverage Highlights and Advantages
Demetriou Group offers Monoline Property, Monoline General Liability, and Umbrella package solutions. Coverage is customizable to address exposures common to commercial real estate operations, including property damage, liability from tenant operations, and higher-limit umbrella protection for large exposures.
Key advantages:
- Broad coverage terms and flexible underwriting approach
- Competitive rates across small to large accounts
- Access to multiple admitted and non-admitted carriers for placement flexibility
- Ability to package property and liability or quote monoline limits as needed
Underwriting Notes and Minimum Premiums
Underwriting considerations include property construction and age, occupancy mix, loss history, management practices, and controls for common liability exposures. Minimum premiums vary by account and coverage type; provide specific account details so our underwriting team can confirm thresholds and available options. We routinely evaluate risks with straightforward operations as well as those that need tailored terms.
Territories and Availability
This program is available in: Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, and Vermont. We are actively seeking new agency partners in these states and can help agents grow their commercial real estate books where markets are limited.
Why Work With Demetriou Group?
As a Managing General Agency specializing in commercial property, Demetriou Group combines underwriting expertise with broad carrier relationships. We provide responsive service, flexible placement options (admitted and non-admitted), and support for both standalone and packaged solutions. Partnering with us gives you access to underwriters who understand the nuances of residential and specialized commercial real estate.
Example scenarios:
- You have a 50–75 unit garden apartment complex with solid loss control measures and need both property and GL limits — we can provide competitive, packaged options.
- You manage a growing senior housing portfolio across several Northeastern states and need consistency of coverage and carriers — we can assist with multi-state placement strategies.
Frequently Asked Questions
What types of accounts are a good fit for this program?
We target apartment buildings, condominiums, student and senior housing, cooperatives, and independent living residences—from single properties to larger portfolios.
Can you write monoline property or liability coverage?
Yes. We offer Monoline Property, Monoline General Liability, and Umbrella packages to meet specific client needs.
Which states is this program available in?
This program is available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT.
Is this program admitted or non-admitted?
We have access to both admitted and non-admitted markets; placement depends on the risk profile and state requirements.
What is the minimum premium required?
Minimum premiums vary by coverage and account details. Submit the specifics of the risk so our team can provide accurate minimums and options.
Need help placing an account? Connect with a market specialist.