Property and Casualty Insurance: Protecting Your Business, Employees, and Clients
Building a comprehensive insurance program is essential for the success of apartment complexes, real estate developers, construction firms, property management organizations, and state agencies. At Gatta Insurance, we provide tailored Property and Casualty Insurance solutions that safeguard your assets, employees, and clients while mitigating financial risk.
Property Insurance protects the physical assets of your business, including buildings, equipment, and inventory. Coverage includes:
Damage from wind, hail, fire, or other natural disasters
Theft, vandalism, and employee dishonesty
Business interruption and loss of income due to property damage
Builders Risk (including course-of-construction coverage)
Property insurance safeguards your business’s financial stability, ensuring that operations can continue even after a significant loss.
Casualty Insurance provides protection against liabilities arising from your operations, services, and employee actions. Coverage includes:
Injuries to customers or visitors at your business premises
Injuries resulting from products or services your company provides
Legal costs from claims such as slander, libel, or other personal injuries
Casualty insurance also shields business owners and employees when the company is held liable. However, it may not cover acts of willful negligence or malicious behavior by employees, who may be personally liable.
Why Casualty Insurance Matters
Businesses that provide products or services inherently face the risk of harm to customers, clients, or guests. Casualty coverage protects employees while performing their duties, including when using company vehicles, and helps safeguard the business from lawsuits due to accidents or negligence.
Example: Property managers are responsible for assets under their care, custody, and control. Failure to protect residents or guests—such as improperly secured hot water heaters—could result in injury or death. Casualty insurance ensures protection against costly legal consequences for your business and employees.
Gatta Insurance delivers expert services tailored to your industry, including:
Performance & Payment Bonds for construction and development projects
Executive Liability Coverage: E&O, Fiduciary, D&O, EPLI, Cyber, ERISA
Umbrella & Excess Coverage: $100M+ per occurrence
M&A and Transaction Advisory: Cost certifications, audits, tax services, partnership structuring, compliance, and reporting
Wind Modeling & Analytics for property risk assessment
Claims Management & Risk Analysis
Captives & Retrospective Rating Plans
Subcontractor Default Insurance
LIHTC Recapture Protection
A+XV Rated Syndicated and Layered Insurance Programs
Large Coastal and Non-Coastal REO Schedules
Affordable Housing: LIHTC 4% & 9%, Historic Tax Credits, HUD, RAD, Section 8, Senior Housing, Public Housing
Market Rate Housing and Mixed-Use Developments
Property Management Groups
Real Estate Development Firms
General Contractors: CCIP/OCIP Wrap-Up, Crane/Riggers Liability, GL, WC, Auto Fleets, Builders Risk, Installation Floater, Owner’s & Contractor’s Protective, P&P Bonds, Subcontractor Default, Excess/Umbrellas, Environmental, Jones Act coverage, etc.
Large Home Builders: 250+ units annually
Large Subcontractors
State Housing Agencies
Non-Emergency Medical Transportation (NEMT)
Financial Advisory & Surety Support
In-house CPA services for Surety and LIHTC financial and accounting advisory (Forensic, Reviewed, and Audited Financials)
Gatta Insurance ensures that your business has comprehensive coverage, advanced risk management, and specialized industry solutions to protect what you’ve built while preparing for growth and future challenges.
