Why choose IOA for multifamily real estate insurance?
At IOA, we go beyond policy placement. Our specialized team helps multifamily owners mitigate risks and manage costs throughout the property lifecycle, from acquisition to disposition. We’re not just your broker—we’re your partner in stability, profitability, and peace of mind.
Tailored solutions for multifamily owners
We provide customized insurance solutions built to meet your specific needs. Our services include:
- Programs crafted to the requirements of agency loans covering, often covering equity requirements and bank loans
- Provision of firm numbers during due diligence to eliminate surprises
- Strategies to help maintain favorable loan-to-value ratios, leveraging proprietary insurance products
Nationwide reach with local expertise
We handle the insurance side of multifamily real estate ownership, enabling better client experience with acquisition, ownership, and disposition nationwide. Our service includes:
- A national presence complemented by local market knowledge
- Collaboration with smaller regional carriers to provide cost-effective and tailored solutions
- Unparalleled market expertise enabling deployment of cutting-edge solutions
- Assistance with creative options, such as as master programs, deductible strategies, and use of captive or risk retention groups
Innovative risk management and cost optimization
Our proactive approach includes:
- Risk pools and captive insurance solutions to navigate limited insurer capacity
- Renters insurance and security deposit products to enhance your operational offerings
- Immediate awareness of market changes, ensuring your program evolves with real estate and insurance trends.
Our multifamily real estate coverage
High-rise apartment buildings
Mixed-use developments
Garden-style apartments
Luxury residential communities
Affordable housing projects
Our multifamily real estate insurance products
IOA offers a comprehensive range of insurance products designed to address the unique needs of multifamily property owners and operators.
Commercial property
Commercial property insurance safeguards physical assets, including buildings, equipment, and inventory, against risks like fire, theft, and some natural disasters.
General liability
General liability insurance covers bodily injury, property damage, and personal injury claims arising from business operations.
Workers compensation
Workers compensation insurance covers employee medical expenses and lost wages resulting from work-related injuries or illnesses.
Commercial umbrella
Commercial umbrella insurance extends the coverage limits of primary policies, offering an additional layer of protection against large claims.
Commercial flood
Commercial flood insurance protects businesses from water damage caused by flooding, which is often excluded from standard property insurance.
Captive management
Captive management provides strategic support for businesses that use captive insurance companies to self-insure and control their risk exposure.
Alternative risk financing
Alternative risk financing offers customized solutions like captives and self-insurance to help businesses manage unique or complex risks.
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