Guides
Commercial real estate insurance guides
What we explain most often to owners and CFOs, grouped by the problem you are trying to solve.
Latest update
Gulf Coast Hotels
Why Gulf Coast hotels land in E&S, and the steps to take before a refi or PIP.
Updated Oct 22, 2026
Lenders & Debt
4 guides
Lender Requirements
What CRE lenders require, how Fannie and Freddie differ, and where to find it.
Updated Oct 6, 2026
Fannie/Freddie Named Storm
The 7.5% named storm deductible cap and where multifamily programs fail it.
Updated Oct 6, 2026
Force-Placed Insurance
Why lenders force place coverage, what it costs you, and how to get it removed.
Updated Oct 3, 2026
DSCR & Premium Increases
How a premium increase can pull DSCR under your covenant, and what to do first.
Updated Oct 17, 2026
Property & Wind
5 guides
Builders Risk to Permanent
The closeout checklist: when builders risk ends, resetting values, business income, and lease and loan requirements.
Updated Oct 17, 2026
Replacement Cost Value
How replacement cost is set, and why a stale value shrinks your claim.
Updated Oct 17, 2026
Wind Deductible Buy-Downs
How a wind deductible buy-back works, a worked example, and when it pays.
Updated Oct 18, 2026
Non-Renewed: E&S Market
What the E&S market costs in taxes, forms, and deductibles after a non-renewal, and what to do before renewal.
Updated Oct 17, 2026
Affordable Housing
Insuring Section 8, HUD, and LIHTC portfolios, and how to present the account.
Updated Oct 3, 2026
Hotels
4 guides
Hotel Portfolios
Insuring three or more hotels under one program, and adding acquisitions mid-term.
Updated Oct 17, 2026
Gulf Coast Hotels
Why Gulf Coast hotels land in E&S, and the steps to take before a refi or PIP.
Updated Oct 22, 2026
Hotel Cost per Key
What hotels pay for insurance per key, what drives it, and how to read it against revenue.
Updated Oct 17, 2026
Franchise Requirements
What franchisors require your hotel to carry, and how to negotiate grandfathering.
Updated Oct 19, 2026
Liability & Claims
9 guides
Negligent Security
How negligent security suits against apartment owners work, and what your GL policy covers.
Updated Oct 6, 2026
Negligent Security: Alabama
How Alabama courts treat crime-on-premises suits, and what to check in your GL policy.
Updated Oct 17, 2026
Negligent Security: Florida
Florida's presumption against liability for multifamily owners, and the records that prove it.
Updated Oct 17, 2026
Negligent Security: Georgia
Georgia's 2025 negligent security statute, fault apportionment, and what owners should do.
Updated Oct 17, 2026
Hired & Non-Owned Auto
Why GL won't cover an employee's crash on company business, and how HNOA fills the gap.
Updated Oct 10, 2026
Certificates of Insurance
Certificate holder vs. additional insured, and what to check on a contractor's COI.
Updated Oct 3, 2026
Captive Insurance
Who a captive fits and who it doesn't, ballpark costs by structure, and a worked GL example.
Updated Oct 3, 2026
Claims Strategy
When to report, which claims to file, and how open claims affect your renewal.
Updated Oct 10, 2026
Document Checklist
Which insurance documents to keep, how to file them, and what to update at renewal.
Updated Oct 13, 2026
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