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Real Estate

We allow you to focus on profitability and operational demands while we work to reduce your risk, administrative burden and insurance costs.

ACO Insurance Real Estate Insurance Services

Types of Real Estate We Insure

  • Affordable Housing

  • Commercial & Office

  • Hotels/Motels

  • Lessor's Risk

  • Mixed-Use

  • Multi-Family Residential

  • Real Estate Brokers

  • Rental Dwellings

  • Property Management Firms

Learn more about our Real Estate Investors Specialty Insurance program.​

Real Estate Investors Specialty Insurance Program

Coverage Highlights

  • Guaranteed Replacement Cost

  • Ordinance or Law 

  • Wind Driven Rain

  • Flood 

  • Earthquake

  • Environmental Liability & Site Pollution

  • Blanket Limits

  • Consolidated Program Options

  • Green Building Standards

  • Loss of Rental Income 

  • Extended Business Income

  • Directors & Officers Liability (D&O)

  • Cyber Liability

  • Umbrella/Excess Liability

  • Manuscript Forms

  • Shared & Layered Programs

  • Much more...

Risk Management Services

  • Contract Reviews

  • Strategic Marketing

  • Claims Advocacy

  • COI Processing & Management

  • Targeted Loss Control

  • Building Valuations

  • Site Inspections

  • Employee Safety & Training

  • OSHA Compliance & Reporting

  • Incident Tracking & Reporting

  • HR Assistance & Hotline

  • Water Consumption Analysis

Real Estate Insurance & Risk Portal
Real Estate Insurance, Compliance, Risk Management

Claims Scenario:
EXTENDED BUSINESS INCOME

A mid-rise apartment building in Virginia suffered a large fire loss, caused by a faulty space heater. Forty-five of their one hundred units were deemed uninhabitable. The damages took nearly fourteen months to repair mainly due to lead and asbestos abatement. It took another seven months to reach pre-loss occupancy levels. The ownership found out the hard way that their insurance policy only offered 30 days of Extended Business Income which led to an out-of-pocket expense of $297,488.

Highlighted Service:
CONTRACT REVIEWS

A real estate owner signed a roofing contract without reviewing the indemnity and limitations of liability provisions. The roofing company included favorable language such as "gross negligence" which dramatically limited their contractual exposure and liability to the cost of the job (approx. $120,000). During the renovation project, materials fell from the roof and severely injured a tenant. The tenant filed a lawsuit, naming both the roofing contractor and the property owner.

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