Individual properties
Describe the building, tenants, occupancy and ownership responsibilities.
Real Estate insurance · For brokers
Every property has a different story.
Bring the buildings, occupancies and ownership responsibilities into one insurance review—from an individual location to a scheduled portfolio.
Owners · Investors · Associations
Available Products
Explore coverage options for the account’s operations, people, property and contractual needs.
Core Offerings
- Commercial Property
- Excess & Umbrella
- General Liability
Supporting Lines
- Business Income
- Commercial Auto
- Equipment Breakdown
- Flood
- Lessor’s Risk
- Workers’ Compensation
Availability varies by operation, state and underwriting review. Products may be placed separately or together, depending on the account and market.
Different operations.
Different paths to placement.
Scheduled portfolios
A consistent schedule of values helps explain locations, valuations and catastrophe concentration.
Condominiums & HOAs
Bring property characteristics, common areas and association responsibilities into focus.
Specialty occupancies
Keep vacant buildings, apartments, commercial lessors and care-facility property distinct for review.
Availability varies by operation, state and underwriting review.
More account and underwriting detail
Operations considered
- Commercial property owners
- Investors / lessors
- Scheduled portfolios
- Apartments / habitational
- Condo associations / HOAs / townhouse associations
- Vacant buildings and land
- Offices / retail / warehouses
- Selected mixed and specialty occupancies
Flag for closer review
- Vacancy
- CAT / flood / wind exposure
- Older buildings and deferred updates
- Pools / recreation / marinas
- Unusual tenant mixes
Single location or portfolio?
A single property may be reviewed on its individual construction, occupancy and values. A scheduled portfolio also needs consistent location-level information, ownership structure and loss allocation.
Portfolio & community
Habitational, condo / HOA / community associations, vacant property and scheduled portfolios describe exposure groups, not interchangeable policies. Review location schedules, community documents and ownership responsibilities.
Property outside the standard market
Older frame buildings and properties without sprinklers may warrant specialty review. Explain maintenance, protection and occupancy for each location.
Care-facility property
Property exposures at assisted living, skilled nursing and rehabilitation facilities need occupancy-specific review. This property discussion does not establish professional liability or medical malpractice coverage.
Construction, age and updates
Provide construction type, year built and roof, plumbing, electrical and HVAC update dates.
Occupancy and vacancy
Describe tenant mix, use, vacant space and plans for renovation or reoccupation.
Protection and catastrophe
Explain fire protection, life safety, flood, wind and other location-specific catastrophe exposures.
Portfolio and ownership
Organize location values, ownership entities and the structure of the scheduled portfolio.
Management and amenities
Describe property management, maintenance, security, pools, recreation and other amenities.
Loss history
Provide current loss information and explain significant losses and completed corrective work.
See the whole account.
Buildings & business income
Property programs
Options for multifamily, condominium and HOA associations, affordable housing and selected mixed-use properties.
Package coverage
Property and general liability package paths for eligible commercial occupancies.
Income & equipment
Review business-income needs, equipment breakdown and flood separately for the selected program.
Ownership & liability
Premises & lessor’s liability
Match the coverage to tenant activities, common areas and ownership responsibilities.
Portfolio review
A consistent location schedule helps identify concentration, protection and catastrophe exposure.
Additional protection
Discuss excess liability, employees and business vehicle use alongside the property placement.
The placement desk
The details behind the address.
Construction, occupancy, protection and catastrophe exposure shape the review. For condominium and HOA associations, clarify ownership and maintenance responsibilities alongside the property and liability needs.
Discuss the details ↗A stronger submission starts here.
Start with what you have. We’ll identify what else is needed.
The account
- Named insured & effective date
- Operations & states of work
- Schedule of values & property characteristics
- Occupancy, protection, updates & catastrophe exposure
- Current coverage & requested limits
The supporting detail
- Completed ACORD applications
- Required supplemental applications
- Currently valued loss runs
Keep building values, total insured value and business-income values distinct.
Additional preparation by coverage and operation
Start with these
- Named insured and ownership entity
- Requested effective date
- Property locations
- Occupancy / use
- Building values
- Business personal property values where applicable
- Business-income values where applicable
- Construction type
- Year built
- Current carrier and expiring terms if insured
- Currently valued property and liability loss information
Add when applicable
- Statement of Values / location schedule
- ACORD 125
- ACORD 140 / property information
- Rent roll or tenant schedule
- Building square footage
- Number of units for habitational
- Roof / plumbing / electrical / HVAC update dates
- Sprinkler and fire-protection information
- Flood-zone / elevation information where relevant
- Property inspection reports
- Appraisals
- Vacancy details
- Renovation/construction information
- Pool information
- Playground / recreation amenities
- Lakes / marinas where applicable
- Security / access controls
- Snow-removal responsibility
- Valet / parking operations
- Pet / animal exposures
- Lease insurance requirements
- Triple-net lease details where relevant
- Association bylaws / community documents for HOA/condo risks
- Existing underlying policies when excess is requested
Single location or portfolio?
Placement notes
Submit a clean SOV
Use a consistent Statement of Values with addresses, ownership, building values and business-income values for each location.
Explain occupancy and vacancies
Describe tenants, use, vacant space and plans for reoccupation or renovation.
Include major building updates
Give dates for roof, plumbing, electrical and HVAC work, plus protection and inspection information.
Applications & guides
Prepare the right details.
Confirm carrier supplements, ACORD editions and loss-run periods for the selected program. Blank ACORD and carrier forms are not distributed here.
Browse 9 coverage preparation guides
View guide: Commercial Property
Commercial Property · reference guide
Real Estate · Public preparation guide
Commercial Property
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Building and total insured values (USD / valuation date)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Construction, occupancy, protection and exposure
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Update dates, occupancy mix and catastrophe exposure
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Individual properties
- Scheduled portfolios
- Condominiums & HOAs
- Specialty occupancies
- Construction, occupancy, protection and catastrophe exposure shape the review. For condominium and HOA associations, clarify ownership and maintenance responsibilities alongside the property and liability needs.
Applications & documents
- ACORD 125
When required by the selected coverage/program; confirm the current edition.
- ACORD 140
When required by the selected coverage/program; confirm the current edition.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Real Estate preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Business Income
Business Income · reference guide
Real Estate · Public preparation guide
Business Income
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Building and total insured values (USD / valuation date)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Construction, occupancy, protection and exposure
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Update dates, occupancy mix and catastrophe exposure
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Individual properties
- Scheduled portfolios
- Condominiums & HOAs
- Specialty occupancies
- Construction, occupancy, protection and catastrophe exposure shape the review. For condominium and HOA associations, clarify ownership and maintenance responsibilities alongside the property and liability needs.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Real Estate preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Flood
Flood · reference guide
Real Estate · Public preparation guide
Flood
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Building and total insured values (USD / valuation date)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Construction, occupancy, protection and exposure
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Update dates, occupancy mix and catastrophe exposure
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Individual properties
- Scheduled portfolios
- Condominiums & HOAs
- Specialty occupancies
- Construction, occupancy, protection and catastrophe exposure shape the review. For condominium and HOA associations, clarify ownership and maintenance responsibilities alongside the property and liability needs.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Real Estate preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Equipment Breakdown
Equipment Breakdown · reference guide
Real Estate · Public preparation guide
Equipment Breakdown
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Building and total insured values (USD / valuation date)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Construction, occupancy, protection and exposure
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Update dates, occupancy mix and catastrophe exposure
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Individual properties
- Scheduled portfolios
- Condominiums & HOAs
- Specialty occupancies
- Construction, occupancy, protection and catastrophe exposure shape the review. For condominium and HOA associations, clarify ownership and maintenance responsibilities alongside the property and liability needs.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Real Estate preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Lessor’s Risk
Lessor’s Risk · reference guide
Real Estate · Public preparation guide
Lessor’s Risk
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Building and total insured values (USD / valuation date)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Construction, occupancy, protection and exposure
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Update dates, occupancy mix and catastrophe exposure
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Individual properties
- Scheduled portfolios
- Condominiums & HOAs
- Specialty occupancies
- Construction, occupancy, protection and catastrophe exposure shape the review. For condominium and HOA associations, clarify ownership and maintenance responsibilities alongside the property and liability needs.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Real Estate preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: General Liability
General Liability · reference guide
Real Estate · Public preparation guide
General Liability
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Building and total insured values (USD / valuation date)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Construction, occupancy, protection and exposure
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Update dates, occupancy mix and catastrophe exposure
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Individual properties
- Scheduled portfolios
- Condominiums & HOAs
- Specialty occupancies
- Construction, occupancy, protection and catastrophe exposure shape the review. For condominium and HOA associations, clarify ownership and maintenance responsibilities alongside the property and liability needs.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Real Estate preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Excess & Umbrella
Excess & Umbrella · reference guide
Real Estate · Public preparation guide
Excess & Umbrella
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Building and total insured values (USD / valuation date)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Construction, occupancy, protection and exposure
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Update dates, occupancy mix and catastrophe exposure
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Individual properties
- Scheduled portfolios
- Condominiums & HOAs
- Specialty occupancies
- Construction, occupancy, protection and catastrophe exposure shape the review. For condominium and HOA associations, clarify ownership and maintenance responsibilities alongside the property and liability needs.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Real Estate preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Workers’ Compensation
Workers’ Compensation · reference guide
Real Estate · Public preparation guide
Workers’ Compensation
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Building and total insured values (USD / valuation date)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Construction, occupancy, protection and exposure
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Update dates, occupancy mix and catastrophe exposure
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Individual properties
- Scheduled portfolios
- Condominiums & HOAs
- Specialty occupancies
- Construction, occupancy, protection and catastrophe exposure shape the review. For condominium and HOA associations, clarify ownership and maintenance responsibilities alongside the property and liability needs.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Real Estate preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Commercial Auto
Commercial Auto · reference guide
Real Estate · Public preparation guide
Commercial Auto
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Building and total insured values (USD / valuation date)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Construction, occupancy, protection and exposure
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Update dates, occupancy mix and catastrophe exposure
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Individual properties
- Scheduled portfolios
- Condominiums & HOAs
- Specialty occupancies
- Construction, occupancy, protection and catastrophe exposure shape the review. For condominium and HOA associations, clarify ownership and maintenance responsibilities alongside the property and liability needs.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Real Estate preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
Bring the property into focus.
Share the account. Start the placement conversation.
Submit an account →
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Coverage availability and terms depend on the account, state and underwriting review. Submission does not bind coverage.
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Start with the Real Estate coverage choices and save your account details in the broker workspace.
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