Real Estate
Real Estate

Building the right insurance program will protect you today and prepare you for tomorrow.

Real Estate Developers, Investors and Property Managers have a responsibility to preserve their property, neighborhoods, and to protect tenants, their guests and the public from harm. Owners and property managers must evaluate their exposures on a regular basis to determine their possible liability and then carry the proper insurance to deal with both liability and property damage risks.

Gatta Insurance offers a broad range of products and services for:

•Affordable Housing

•Market Rate Housing 

•Real Estate Developers

•Construction Companies

•Property Management Companies

•State Housing Agencies 

One specific niche we have is Multi-Family Housing (Apartments). We are experts. Our affordable and market rate housing insurance program evolved from decades of market research and deep relationships with the industries top Multi-Family Housing insurance companies. The challenges facing developers, owners and managers of affordable housing properties are getting increasingly complex. From investor and lender requirements to compliance and Fair Housing laws to meeting environmental liabilities, a property’s risk management needs can be as unique as the building itself. 

In addition to standard coverages such as property, general liability, auto, worker's compensation and umbrella, we offer Real Estate Professional's Errors and Omissions.  Our policy is carefully designed based upon your specific needs. 

We target Real Estate Developers and Investors and those entities that work with these companies: 

    • Apartment Communities (Affordable and Market Rate)
      • Low Income Housing Tax Credit Partnerships (LIHTC- Section 42)
      • HUD (Section 8)
      • RAD
      • USDA Rural developments 
      • Public Housing
      • Senior Housing, Assisted Living and Disabled Housing
      • Non-Profits (501-c- 3)
      • State Housing Agencies
    • Commercial Occupancies
      • Offices
      • High-rise Buildings
      • Mixed-use Developments (Live, Work and Play)
      • Strip Center and Malls
      • Warehouses and Industrial Facilities
      • Medical Buildings
      • Condo Associations
    • Property Management Companies
      • Apartment Complex Management (up to 100,000+ units) 
        • Affordable and Market Rate

 

The unique nature of real estate developers, property owners and property managers (and the services they provide) creates a multitude of professional liability and executive liability exposures. Administrators of General Partnerships, Limited Liability Companies, Real Estate Investment Trusts (REIT's), Pensions, Insurance, and other Employee Benefits all come with Fiduciary responsibilities (and all have multiple and overlapping exposures in their own unique ways). Gatta Insurance is experienced in developing programs which maximize coverage that is tailored to fit your business.

Contract Review

Real estate transactions are ultimately defined by a vast number of legal contracts. Careful review of the insurance and indemnification provisions of these documents by our real estate professionals adds value to these transactions and contributes to their success by identifying gaps in or duplications of coverage, unidentified exposures, and issues relating to pre-existing liabilities and risk transfer. 

Gatta Insurance will be reviewing your:

  • Purchase and Sale Agreements
  • Leases
  • Vendor Agreements
  • Joint Venture Contracts
  • Management Agreements
  • Bi-Laws 
  • Financing Agreements
  • Construction Agreements and Building Plans
  • Audited & Reviewed Financials