The Property Insurance Collective
Rising risks demand smarter insurance— we built it.
With extreme weather, increasing reinsurance rates, inflation, and underinsurance pushing premiums to record highs, property insurance has become one of the fastest growing and least controllable expense for real estate owners and operators.
That’s why Propriety developed a better solution—
THE PROPERTY INSURANCE COLLECTIVE
Our Mission: Stabilize property insurance costs and reward effective risk management.
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The Right Strategy
— Build a collective of leading real estate owners with strong insurance track records.
— Fund a shared deductible for small claims- reducing carrier exposure and premiums.
— Secure excess coverage above the deductible to fully protect assets.
— Diversify risk and scale up- our collective strength unlocks negotiating power.
— Deliver training and resources to help members identify and reduce risk.
— Reward members when claims are low. When members win, members win.
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The Right Results
> Reduces insurance market volatility
> Stabilizes insurance costs
> Aligns interests & offers financial incentives
> Increases transparency & control
> Enhances risk management
> Improves investment performance
> Turns insurance into strategic advantage
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How it Works
Member-Owned: As a member-owned insurance collective, we give real estate owners the visibility and influence they’ve long lacked in traditional insurance. Members gain access to transparent data, collective purchasing power, and shared incentives that turn risk management into a source of value—not just a cost.
Aggregate Deductible: A pre-funded deductible layer, financed through member premiums, minimizes insurance costs by distributing initial risk among participants. This approach encourages proactive risk management, reduces premium expenses, and ensures initial claims are efficiently covered by the pre-funded deductible.
Zero Collateral Requirement: Our structure removes the heavy upfront cash or letter of credit obligations common in traditional group captives—making it easier for members to participate without tying up capital.
Shared & Layered Structure: Coverage is negotiated among multiple insurance carriers to foster competition and optimize pricing. Excess coverage provides additional protection above the primary Collective layer, enhancing risk management and cost efficiency.
Claims Management: An adjuster tracks claims and oversees the management of the aggregate deductible on behalf of carriers, lenders, and members.
Lender Approved: A pre-funded aggregate deductible ensures program acceptance and compliance.
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Prospective Member Profile
+ Institutional quality real estate owner/manager
+ Favorable loss history
+ Sizeable real estate portfolio
+ Contributes to geographic & sector diversification