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.
Drawn from analysis of mid-market accounts in this class. Two of them are structural: what's missing from the coverage rather than premium-driven.
The lines ARIA recommends for a well-structured coverage in this industry, in the order they typically attach.
A Category-3 hurricane makes landfall, causing wind, storm-surge, and subsequent water damage to a 240-unit garden apartment complex. Direct damage estimated $14M; loss-of-rents during 9-month rebuild estimated $3.8M.
Standard property carrier responds with $8M limit, but wind sublimit caps at $5M for named-storm losses. NFIP pays $500K. Owner absorbs $8.7M direct + $3.8M business interruption out-of-pocket. Refinancing breaks the loan covenants; bank forecloses.
RiskMind structures: $15M blanket property + carved-out $10M dedicated wind layer (Lloyd's of London) + $5M private excess flood. Loss-of-rents extension period set to 18 months. Total claim payout: $17.4M of $17.8M loss. Owner refinances at new value, retains the asset. Indicative annual premium for the upgraded coverage: $420K–$520K.
Annual premium distribution across the full coverage stack for a comparable business in your industry. ARIA refines your exact position once it reads your declarations page.
Illustrative dataset · n=84 mid-market placements in this class
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