Real Estate Insurance Programs & Services

Underwriting,  Marketing, and Servicing Large Real Estate Portfolios

Cool Insuring Agency, Inc. has a dedicated real estate division as part of its Commercial Lines Department. The real estate division is staffed by professionals specifically trained in the unique aspects of underwriting, managing and marketing large real estate portfolios.


  • Real and Personal Property, including Equipment Breakdown
  • Loss of Income
  • Flood, including high hazard flood zones
  • Windstorm
  • Earthquake
  • Terrorism
  • Ordinance & Law Coverage
  • Green Building Coverage Enhancements
  • Realty Tax Protection
  • Asset Protection
  • Builder’s Risk (for new construction, remodeling and tenant fit ups)
  • General Liability, including full coverage of New York Labor Law exposures.
  • Workers’ Compensation
  • Property Manager Professional Liability
  • Cyber Liability
  • Commercial Automobile
  • Umbrella / Excess Liability
  • Directors & Officers Liability
  • Employment Practices Liability

Clients Served:

  • Office Buildings
  • Large Shopping Centers / Malls / Strip Malls
  • Industrial Properties and Parks
  • Urban Hi-Rises
  • Suburban Office Parks
  • Apartments, Dwellings, Large multi-unit apartment or condominium complexes
  • Historic Buildings
  • Retail / Wholesale
  • Real Estate Investment Trust
  • Private and Public Housing Projects
  • Hotels, Motels, Resorts and Convention Centers


  • Marketing and placement of coverage that provides both broad coverage grants and the most competitive pricing available
  • Lease reviews including insurance requirements and hold harmless / indemnification wording. We understand how critical it is that a property owner be contractually protected as an additional insured on a primary and non-contributory basis on every tenant’s policy.
  • Certificate of insurance preparation and review of certificates you receive from your tenants, contractors and third party service providers.
  • Real Property Replacement Cost Appraisals as a Valued Added service to our clients
  • Property Inspection and Fire and Life Safety Consultation

Cool Insuring Agency has extensive experience and expertise in the placement and service of large and complex insurance programs.  Our clientele includes property portfolios with values in excess of One Billion dollars. We have the marketing expertise to place more difficult exposures, including coastal flood insurance, landmark properties, California earthquake, and windstorm coverage throughout the country.  In addition, we have placed very high limits for Terrorism coverage in all areas of New York City including bridges, tunnels, the financial district, Times Square and other high profile tourist attractions.

We work with national and regional insurance carriers that are expert in assessing the exposures inherent to real estate owners and managers.   We design programs to insure all areas of property management and construction, and our insurance and Risk Management professionals are ready to assist you.

If you represent a real estate organization and you want to discuss Cool Insuring Agency’s capabilities please call us at 1-800-233-0115, or e-mail us at  We look forward to hearing from you!