The Property Risk Program
Rising risks demand smarter insurance— we built it.
Extreme weather, reinsurance pressure, inflation, and tightening carrier appetites have made property insurance one of the fastest-growing costs for real estate owners. In response, Propriety created a more efficient and scalable approach to managing property risk and insurance.
Our Goal: Stabilize property insurance costs and reward effective risk management.
THE PROPERTY RISK PROGRAM
-
The Right Strategy
- Bring together leading real estate owners under a coordinated property risk management approach.
- Centralize funding of the deductible layer to streamline smaller claims and help reduce premium costs.
- Leverage scale to secure high-quality insurance coverage above the retained deductible layer.
- Strength in numbers– a coordinated portfolio approach enhances negotiating leverage with carriers.
- Deliver data analytics, training, and resources that help participants identify and reduce property risk.
- Offer loyalty incentives for long-term participants when the program performs efficiently.
-
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
-
How it Works
Client-Focused: The Property Risk Program offers a centralized, structured approach to managing the deductible layer, risk-management services, and claims coordination across participating properties. By operating at scale, it delivers greater efficiency, consistency, and cost control for real estate portfolios. Each owner remains fully independent while benefiting from shared risk-management expertise and resources.
Centralized Deductible Management: The Program maintains a pre-funded deductible layer managed by the Program Manager, streamlining smaller losses, improving consistency, and helping reduce overall insurance costs.
No Collateral or Capital Commitments: Participants are not required to post letters of credit or set aside individual capital reserves. The deductible layer is funded and administered through the Program Manager, eliminating the financial barriers commonly associated with captives or other self-funded arrangements.
Layered Risk Structure: By coordinating risk at the portfolio level, the Program supports efficient placement of higher insurance layers through a licensed broker. This layered, scaled approach strengthens negotiating leverage and helps achieve more competitive pricing.
Claims Oversight: The Program Manager and a dedicated adjuster oversee deductible-layer claims to ensure timely handling, transparency, and alignment with carrier and lender requirements—reducing administrative burden for property owners.
Lender Compatible: The pre-funded deductible and centralized administration meet the risk and reporting standards required by lenders and institutional stakeholders. The structure enhances operational efficiency while allowing each owner to maintain full independence over its assets.
-
Prospective Member Profile
+ Institutional quality real estate owner/manager
+ Committed to continuous risk improvement
+ Favorable loss history
+ Sizeable real estate portfolio
+ Contributes to geographic & sector diversification