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.

BUSINESS SERVICES

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.

Construction industry concept - architects and engineers discussing work progress between concrete walls, scaffolds and cranes.
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BUILDER’S RISK AND INSTALLATION FLOATER

It’s never a problem until it’s a problem. Having a properly structured builder’s risk or installation floater will protect you when job-site materials go missing.

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LADDER AND FALL SAFETY

Keep your employees safe by using the Liberty Solution Center to have material available for your company’s next tool box talk.

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SCAFFOLDING AND FALL PROTECTION

Preventing serious injuries to employees is important to every employer, the last thing anyone wants is to have someone experience an injury at work that impacts their ability

to live a normal life.

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EMPLOYEES AND RTW PROGRAM

Accidents happen. Mitigate the costs of those claims with an effective return-to-work program. Reducing the medical and indemnity payments associated with a Workers Compensation claim will ultimately reduce your premium through a lower experience modification factor.

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OSHA RECORDABLE TRAKING PROGRAM

Maintain your OSHA 300 logs in the Liberty Solution Center via our complimentary online product. Don’t pay for separate tracking software when ours is included!

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CONTRACT REVIEWS

Risk transfer is a real thing and will impact your ability to recover from a subcontractors or general’s insurance policy in the event of a claim. You may still need to sign the contract, but going in educated on the risk you are assuming is best practice.

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SURETY BONDING

Having cost-effective capacity available for our contractors to successfully bid public jobs both large and small is important. Our bonding department works exclusively with our contracting clients actively bidding these projects.