Real Estate & Hospitality | Republic Insurance

Protecting properties, people, and performance.

Republic Insurance Group provides specialized insurance and risk management solutions for real estate owners and hospitality operators—designed to protect assets, manage liability, and support long-term portfolio performance.

Coverage structured for ownership, tenancy, and guest exposure
Experience with single-asset and portfolio placements
Claims advocacy when losses impact revenue and reputation

Owners and operators across the property lifecycle

We work with investors, developers, and operators across a wide range of real estate and hospitality assets, including:

Multifamily and apartment communities
Single-asset and portfolio property owners
Mixed-use developments
Retail and office properties
Hotels, motels, and boutique lodging
Resorts, lodges, and destination properties
Short-term rental portfolios
Property management companies
Ground-up development and repositioning projects

When ownership, occupancy, and public interaction intersect, insurance must be designed around how the property actually operates.

Core Coverage Solutions

Commercial Property

Buildings, common areas, and improvements
Replacement cost valuation and coinsurance alignment
Wind, hail, and catastrophe considerations
Ordinance or Law coverage
Business income and extra expense

General Liability

Premises and operations liability
Tenant, guest, and visitor exposure
Contractual liability alignment

Umbrella & Excess Liability

Additional limits over property and liability
Often required by lenders, investors, or management agreements

Crime Coverage

Theft, vandalism, and employee dishonesty
Tenant and guest-related crime exposure

Cyber Liability (When Applicable)

Reservation systems and tenant portals
Payment data and ransomware exposure

Workers’ Compensation

Property management and hospitality staff
Proper classification for operational roles

Hospitality-Specific Considerations

Coverage aligned to guest experience

Hospitality properties introduce operational and reputational exposure, including:

Guest injury and slip-and-fall claims
Food, beverage, and liquor liability (when applicable)
Pool, spa, and recreational amenities
Event hosting and public gatherings
Brand and reputation impact following incidents

Coverage must support both guest safety and uninterrupted operations.

Where exposure is highest

Real estate and hospitality risk extends beyond the structure itself and often includes:

Premises liability involving tenants, guests, and visitors
Fire, wind, hail, and catastrophic property losses
Water damage and system failures
Crime, theft, and vandalism
Habitability and tenant-related allegations
Employment practices and staffing exposure
Business interruption and loss of revenue
Contractual risk with managers, vendors, and tenants

Our focus is protecting cash flow, asset value, and insurability.

Why Republic Insurance Group

A performance-minded approach to property insurance

Real estate insurance fails when advisors focus only on buildings instead of operations, liability, and cash flow.

Our approach:

1. Asset & operation review
Ownership structure, occupancy, amenities, and management model.

2. Coverage architecture
Property, liability, income protection, and umbrella aligned.

3. Lender & contract coordination
Coverage structured to satisfy loan and management agreements.

4. Claims advocacy
Hands-on support when losses threaten revenue or valuation.

What clients value most:

Advisors who understand ownership economics
Coverage that responds quickly after losses
Long-term support across acquisition and growth

Built for how properties are held

We routinely insure properties owned through:

Single-purpose entities (LLCs, LPs)
Multi-entity portfolios
Investor syndications
Family offices and private ownership groups
REO and transitional assets

Insurance is structured to align with lender requirements, operating agreements, and exit strategy.

Frequently Asked Questions

1) Is replacement cost coverage necessary?
In most cases, yes—especially for lender compliance and asset protection.

2) Do short-term rentals require different coverage?
Often yes. Guest turnover and use patterns affect underwriting.

3) How does insurance impact financing?
Lenders require specific limits, endorsements, and valuation methods.

4) Are property managers covered under the owner’s policy?
Only if structured correctly. This should be reviewed carefully.

5) Is business interruption coverage important?
Yes—especially for hospitality and income-producing properties.

6) How often should property insurance be reviewed?
Annually, or when occupancy, management, or valuation changes.

Insurance built to protect property value and performance.

From income-producing real estate to hospitality destinations, Republic Insurance Group delivers insurance solutions designed to support ownership, operations, and long-term success.