Real Estate Commercial and Habitational
Liberty provides comprehensive insurance coverage specifically tailored to the commercial real estate and habitational industries, focusing on multi-unit complexes such as apartments, homeowner and condominium associations, and property management companies. Coverages may include tenant/guest injury, third party crime, vacancy provisions, professional and environmental exposures.
PROPERTY VALUATIONS
Property values can change due to multiple factors, including the cost of construction materials and labor fluctuations. How your property is valued at the time of a loss is critical. It is imperative to know the difference between the various valuation methods, including standard, guaranteed, and functional replacement costs, actual cash value, agreed value, and market value.
Our experts work with your team to examine the factors that impact a property’s value while explaining the consequences of undervaluation like co-insurance penalties. We can assist in finding the value of your real and personal property, business income, and loss of rental income, all while working to simplify the filing, managing, and outcome of your claim.
CONTRACT REVIEWS
We can provide contract reviews relative to compliance with your insurance programs, including property management and lease agreements, bylaws, other insurances, and maintenance agreements. We will assist in determining the correct application of the insurance requirements and opportunities for contractual risk transfer.
SLIP, TRIP, FALLS PREVENTION
Property owners must maintain a safe business and, as an employer, need to work to reduce the potential for slip & fall accidents which are a major cause of injury.
Liberty Insurance helps implement accident prevention programs, regular workplace inspections, and post-accident control measures.
THE LIBERTY ADVANTAGE
WORKERS’ COMPENSATION SERVICES
MOD rate calculation and analysis helping to reduce claim frequency and lower your insurance cost.
Assistance in development of Return-to-Work, Workplace Health and Safety programs.
OSHA Reporting & Compliance, Safety Webinars and Training, Medical Panel Administration and Classification/Exposure Reviews.
CLAIMS MANAGEMENT SERVICES
Dedicated team of claim professionals who work closely with our clients providing timely communication, claim analysis, reviews and 24/7 reporting.
Advocate for our clients – negotiating with adjustors – diligent monitoring for a prompt & fair resolution.
Simplify the filing, managing and outcome of
your claim.
PROGRAM & RISK MANAGEMENT SERVICES
Unique, holistic approach to educate and empower insurance decision makers.
Implementation of programs and policies with one of our 50 insurance partners to reduce your overall cost.
Access to the Liberty Solutions Center – thousands of free HR & Loss Control materials.
Get Your Comprehensive Risk Management Review
Contact us today for your free risk review and to discuss how we can help you accomplish your specific companies goals.
INSURANCE TO VALUE CALCULATIONS
In environments of high and low inflation, maintaining the proper insurance limits on your buildings is key. Insurance premiums are developed by taking an exposure times a rate. Adequate limits prevent you from being penalized in a loss or paying more in premiums.
SLIP, TRIP, FALL PREVENTION
If your facility has exposure to the general public, maintaining a safe walking environment free of hazards is critical to preventing slip/fall claims. When they do occur, having an effective CCTV camera system goes a long way to mitigating the value of a claim. Proper documents at the time of the accident, including a fully completed incident report, goes a long way too.
