Source: AmTrust — Small Business BOP
AmTrust Financial Services: Real Estate Insurance Appetite
AmTrust writes real estate offices and small property management firms through their small business programs. The coverage is straightforward: BOP for the office, WC for the staff, and professional liability for E&O exposure from real estate transactions. This works well for small brokerages with 1-25 agents. For larger real estate firms or companies with significant owned property portfolios, CNA or Travelers provides broader capacity and more specialized real estate forms. AmTrust is a solid secondary quote for the small brokerage market.
Available Lines
| Line of Business |
|---|
| General Liability |
| Workers' Compensation |
| Business Owners Policy (BOP) |
| Professional Liability |
Premium Range
$1,500-$10,000
Typical annual premium
Target States
All 50 states
Key Features
- BOP coverage for real estate offices and property management firms
- Workers' comp for real estate agencies with administrative and agent staff
- Professional liability for real estate agents and brokers
- GL coverage for premises liability at real estate office locations
Limitations
- No coverage for owned rental property portfolios — need a habitational specialty market
- Large property management companies with extensive building portfolios should use mid-market carriers
- No real estate developer coverage or construction-related real estate risks
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