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Real estate carries the largest property-loss tail of any industry — a single weather event can exhaust a year of EBITDA. Beyond the building itself, every tenant relationship, every rental application, every common-area incident creates liability exposure. The line that surprises owners is fair-housing / discrimination claims. They're routinely underinsured.
Below is that profile under Florida rules: Southeast perils, state statutes, and the market structure built around them.
The exposures that hit this class hardest, drawn from analysis of mid-market accounts. The structural ones cost more than the premium-driven ones.
Full industry deep-dive: Commercial insurance for Real Estate & Property Mgmt →
The perils and statutes that change how real estate & property mgmt coverage must be structured here, before any quote means anything.
Full state guide: Business and commercial insurance in Florida →
The lines ARIA recommends for a well-structured program in this industry, in the order they typically attach.
The core stack for real estate & property mgmt typically starts with Commercial Property w/ blanket limits and stated values, Wind / Named Storm endorsement (coastal only), Flood (NFIP + excess private), Commercial General Liability w/ tenant-discrimination AI, structured in that order. Workers' compensation is required for construction businesses with even one employee. Non-construction businesses generally need it at four or more employees. ARIA reads your operation against both the industry profile and Florida specifics before any quote is requested.
Yes for most employers. Construction businesses need it with one or more employees, including subcontractor exposure. Non-construction businesses generally need it once they reach four employees. Agricultural rules differ.
For the industry itself: replacement-cost shortfall + coinsurance. Construction inflation has outpaced policy limit increases for most owners. A total loss can trigger 20-30% coinsurance penalties because the policy limit no longer represents 80% of replacement cost. Layered on top in Florida: named-storm deductibles measured in percentages. Florida property policies carry hurricane deductibles of 2 to 5 percent of insured value, not a flat dollar amount. On a $10M building, that is up to $500K out of pocket before coverage responds. Many owners discover the math only at claim time.
ARIA pre-loads the real estate & property mgmt exposure profile with Florida perils and statutes layered on. Top risks, the stack that answers them, and the carriers in appetite for your class here.
Nothing binds until a licensed Risk Strategist signs the placement
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