Browse
Browse, then take action.
Filter by industry, sort by risk. Find your gold-standard benchmark.
615 of 615 profiles
Analyze
Full transparency into every risk profile.
Check protection scores, risk appetite, and individual requirements to understand what coverage is best for you. Simple requirements? We have you covered. Complex layered programs, blanket analyses, or agency guide updates? Our engine handles the edge cases so your team doesn't have to.
Customize
Build your own risk profile.
Use our tools to create custom coverage requirements when our Library is not a fit. Choose asset types, coverages, and requirement-level details to build the exact profile you need.
By lender
Insurance requirements by lender standard.
The hardest insurance requirements are the ones a lender wrote. The library keeps the major programs as ready to apply profiles, and the condition builder covers everything else.
Fannie Mae DUS
Multifamily requirements for property, liability and flood, maintained as a ready to apply profile.
Freddie Mac
Seller servicer insurance requirements, kept current as the guide changes.
HUD and FHA
Program requirements for insured multifamily and healthcare loans.
Private lenders and beyond
SBA 7(a) hazard expectations, CMBS insurance covenants and any private credit policy, encoded in plain language with the condition builder.
FAQ
Frequently asked questions
What is the Advocate Coverage Library?
The Advocate Coverage Library is a directory of benchmark coverage standards, meaning the required limits, deductibles, and carrier ratings for a specific risk. It contains pre-built risk profiles by industry and lender standard, plus tools to build custom profiles, and every profile can be applied to a live policy for a coverage gap assessment.
What is a risk profile?
A risk profile is one benchmark coverage standard in the Coverage Library: the required limits, deductibles, endorsements, and carrier rating for a single risk, mapped to the World Insurance Model coverage taxonomy. Open any profile to see its full requirement set, typical exclusions, and the coverage gaps that risk most often carries.
What does the completion score mean?
Coverage completeness score: the count of coverage type-peril pairs the profile requires, divided by the total pairs applicable to this asset type in the World Insurance Model (WIM) taxonomy, expressed as a percentage. 100% means coverage is required for every applicable pair. Sort the directory by it to see which risks the library benchmarks most thoroughly.
Can I create a custom risk profile?
Yes. When no library standard fits, the condition builder lets you compose custom requirements from fields, operators, and requirement values, choosing asset types, coverages, and requirement-level details. Custom profiles benchmark policies the same way library profiles do.
Show 2 more questionsShow fewer questions
What insurance do lenders require?
It depends on the loan program. Fannie Mae DUS, Freddie Mac and HUD each publish their own requirements for property, liability and flood coverage, and private lenders write their own. The library keeps the major programs as ready to apply profiles, so a policy is graded against the standard that actually governs it.
How do I check a vendor's insurance requirements?
Pick the profile that matches the work the vendor does, then apply it to their certificate. The review comes back with required limits checked, missing endorsements named and expirations flagged, and the same check runs automatically when certificates are tracked at portfolio scale.
