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  California | CoastlineInsurance compliance program for properties located along the California coastal zone. The program applies to residential and commercial properties subject to elevated environmental and catastrophic risk exposure and provides coverage rules for both Property and Liability risks — including but not limited to: Special Form Property, Earthquake, Flood, Wind/Hail, Named Storm, Builder's Risk (where applicable), General Liability, Auto Liability, Terrorism Liability, and Umbrella Liability. Users of this program must note that California coastal properties are subject to heightened scrutiny around earthquake and flood coverage, minimum coverage limits above standard thresholds, and may require surplus lines placement given limited admitted carrier appetite in coastal zones.
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  HUD | MAPInsurance compliance program for HUD MAP. Provides coverage rules for Special Form Property, Loss of Rents, Ordinance or Law, General Liability, Liquor Liability (where applicable), Auto Liability, Workers' Compensation, and Umbrella Liability. Users must be aware that dual-occupancy properties require careful separation of liability exposures between residential and commercial tenants.
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  Residential | RentalInsurance compliance program for stabilized residential rental properties. The program applies to non-construction residential assets and enforces essential Property and Liability insurance requirements. Coverage rules include sufficient limits and deductibles for Property, Business Income, General Liability, Flood (if applicable), and Named Storm. The program prevents coinsurance penalties and requires coverage to be written on an appropriate payout basis.
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  Texas | Multi-Family | RentalInsurance compliance program designed to enforce fundamental insurance standards for strictly Multi-Family Assets located in Texas. The program applies to properties where the lender requires comprehensive validation of policy structure, coverage sufficiency, and documentation accuracy. It includes compliance checks for both Property and Liability Coverages — including but not limited to, Property, General Liability, Business Income, Earthquake, Flood, Wind/Hail, and Named Storm perils.
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  SFR Portfolio | Life CoInsurance compliance program for stabilized single-family rental (SFR) portfolios financed through life company lenders. The program applies to scattered-site residential assets and enforces both Property and Liability coverage standards designed for institutional credit profiles. Requirements include business income coverage (12-month net plus continuing expenses), coinsurance prevention, named storm and wind/hail coverage with 5% TIV deductibles, and a $25M property loss limit.
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  SBA | 7(a) | Real EstateInsurance compliance program for SBA 7(a) loans secured by owner-occupied commercial real estate. The program outlines insurance requirements to protect real property and business assets and includes coverage rules for Hazard Insurance (including wind, hail, and earthquake as applicable), Flood Insurance (for property or equipment in Special Flood Hazard Areas), and Builder's Risk Insurance for new construction or renovation projects.
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  Fannie Mae | SBLInsurance compliance program for stabilized high-rise commercial properties exceeding 10 stories. The program applies to office towers, mixed-use high-rise developments, and multi-tenant commercial buildings and provides coverage rules for both Property and Liability risks — including but not limited to: Special Form Property, Boiler & Machinery, Ordinance or Law, Wind/Hail, Named Storm, Flood, Earthquake (where applicable), Loss of Rents, General Liability, Auto Liability, Workers' Compensation, Employer's Liability, Terrorism Liability, and Umbrella Liability.
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  HUD | Ground-Up ConstructionInsurance compliance program for HUD-insured new construction and substantial rehabilitation loans. The program applies to multifamily or healthcare properties undergoing full development or major structural improvements and outlines insurance requirements during the construction phase. Coverage requirements include but are not limited to: Builder's Risk (All Risk, Completed Value Form), Soft Costs, General Liability, Auto Liability, Workers' Compensation, Employer's Liability, Architect's Professional Liability, and Flood Insurance (if applicable).
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  Freddie Mac | Multi-FamilyInsurance compliance program for Freddie Mac Multi-Family home loans. The program applies to properties that contain multiple residential dwelling units and provides compliance rules for both Property and Liability Coverages - including but not limited to, Special Form Property, Boiler & Machinery, Ordinance or Law, Wind/Hail, Named Storm, Flood, Earthquake, Terrorism, Avalanche, Sinkhole, Volcanic Eruption, Mine Subsidence, Fidelity Bond, General Liability, Auto Liability, Terrorism Liability, Umbrella Liability, Worker's Compensation, Employer's Liability, Professional Liability, and/or Director's & Officer's Coverages.
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  Commercial | Rental | ExpeditedInsurance compliance program for non-construction commercial properties. The program applies to properties purchased for the purposes of being rented out to tenants. The program only provides critical Property Coverage rules to increase the speed of the compliance process. Users of this program must be aware they will have gaps in coverage compliance.
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  Resort & Condo | HospitalityInsurance compliance program for beach and golf resort condominium properties. The program includes comprehensive Property and Liability requirements, with a focus on coastal exposures, guest operations, and amenity-related risks. Coverage rules include business income, flood, terrorism, wind/hail, liquor liability, and $25M umbrella limits. Structural protections enforce per occurrence liability, waiver of depreciation, 365-day indemnity, and coinsurance prevention.
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  Fannie Mae | DUS Multi-FamilyInsurance compliance program for Fannie Mae Delegated Underwriting and Servicing (DUS) multifamily loans. The DUS program is the most active multifamily lending vehicle in the GSE market and requires strict adherence to the Fannie Mae Multifamily Selling and Servicing Guide. Coverage rules include Special Form Property, Boiler & Machinery, Ordinance or Law, Loss of Rents (12-month minimum), Wind/Hail, Named Storm, Flood, Earthquake (in seismic zones), General Liability, Auto Liability, Workers' Compensation, Terrorism (TRIPRA-compliant), and Umbrella Liability. Lender-approved insurance is mandatory and any material change requires servicer notice.
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  Freddie Mac | Optigo ConventionalInsurance compliance program for Freddie Mac Optigo Conventional multifamily loans. Coverage requirements include Special Form Property, Business Income with 12-month extended period of indemnity, Ordinance or Law (all three coverages), Wind/Hail, Named Storm, Flood (in SFHA), Earthquake (in seismic zones), General Liability, Auto Liability, Workers' Compensation, Terrorism, and Umbrella. Optigo standards align with the Freddie Multifamily Seller/Servicer Guide and require evidence of insurance refreshed annually.
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  LIHTC | Affordable HousingInsurance compliance program for properties financed under the Low-Income Housing Tax Credit (LIHTC) program. The program enforces affordability covenants and additional regulatory requirements from state housing finance agencies and tax credit syndicators. Coverage rules include Special Form Property, Business Income, General Liability, Wind/Hail, Flood (where required), Workers' Compensation, and Umbrella. Investors require additional named insured endorsements, waiver of subrogation, and 30-day notice of cancellation provisions.
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  HUD | 232 | HealthcareInsurance compliance program for HUD-insured Section 232 healthcare loans covering skilled nursing facilities, assisted living, and intermediate care residences. Coverage requirements include Special Form Property, Business Income with 12-month extended period of indemnity, Equipment Breakdown (with medical equipment endorsement), General Liability, Professional Liability for healthcare operations, Workers' Compensation, EPLI, Cyber Liability for HIPAA exposure, and Umbrella. HUD requires lender-approved coverages and strict documentation for renewal.
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  Industrial | Distribution CenterInsurance compliance program for stabilized industrial distribution and logistics facilities. The program applies to single-tenant and multi-tenant warehouses, fulfillment centers, and last-mile facilities. Coverage rules include Special Form Property, Business Income, General Liability with rack storage endorsement, Auto Liability (including hired and non-owned), Workers' Compensation, Pollution Liability (where applicable), Equipment Breakdown, and Umbrella. Strict requirements around sprinkler design certificates, combustible commodity classifications, and material handling equipment.
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  Industrial | Cold StorageInsurance compliance program for refrigerated and cold storage industrial facilities. Coverage rules include Special Form Property, Equipment Breakdown with refrigeration and ammonia system endorsements, Spoilage Coverage (with sub-limits for stored product), Business Income with extended period of indemnity, General Liability, Pollution Liability for refrigerant releases, Workers' Compensation, and Umbrella. Cold storage operators must document temperature monitoring and emergency response protocols.
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  Hospitality | Limited Service HotelInsurance compliance program for limited-service flagged hotels (Hilton Garden Inn, Hampton Inn, Holiday Inn Express, Courtyard, and similar brands). Coverage rules include Special Form Property, Business Income with 18-month period of indemnity, Liquor Liability (where applicable), General Liability with shopping center / hotel endorsement, EPLI, Workers' Compensation, Cyber Liability, and Umbrella. Franchisor compliance requirements layer on top of lender requirements, including specific named insured language and contractual indemnification provisions.
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  Hospitality | Full Service HotelInsurance compliance program for full-service flagged hotels with significant F&B, banquet, and amenity operations. Coverage requirements include Special Form Property, Business Income with 24-month period of indemnity, Liquor Liability, Innkeepers Liability, Garage Liability (for valet operations), General Liability, EPLI, Cyber Liability, Workers' Compensation, and Umbrella with $50M+ limits. Banquet and event coverage requires careful attention to additional insureds, waiver of subrogation, and contractual liability extensions.
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  Office | Class AInsurance compliance program for Class A urban office towers. Coverage requirements include Special Form Property with full replacement cost, Business Income with 24-month period of indemnity, Ordinance or Law (all three coverages), Boiler & Machinery, Wind/Hail, Earthquake (in seismic zones), Terrorism (TRIPRA-compliant), General Liability, Garage Liability (where applicable), Workers' Compensation, and Umbrella with $50M+ limits. Strict attention to dependent property and contingent business income for major credit tenants.
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  Retail | Grocery-AnchoredInsurance compliance program for grocery-anchored retail centers. Coverage rules include Special Form Property, Business Income with leader property coverage for the anchor tenant, Ordinance or Law, Wind/Hail, Named Storm, Flood (in SFHA), General Liability with shopping center endorsement, Garage Liability for parking operations, EPLI, Workers' Compensation, and Umbrella. Anchor tenant dependent property coverage is critical — loss of the grocer triggers significant co-tenancy and BI exposure.
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  Medical Office | StabilizedInsurance compliance program for stabilized medical office buildings (MOB). Coverage rules include Special Form Property, Business Income with 12-month period of indemnity, Equipment Breakdown (with medical equipment and imaging endorsement), General Liability, Pollution Liability for medical waste handling, Cyber Liability for HIPAA exposure, EPLI, Workers' Compensation, and Umbrella. Hospital-affiliated MOBs require additional dependent property coverage for the anchor health system.
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  Self-Storage | StandardInsurance compliance program for stabilized self-storage facilities. Coverage rules include Special Form Property, Business Income, General Liability with tenant goods exposure, Sale & Disposal Liability for lien-sale operations, Customer Goods Legal Liability, Cyber Liability, Workers' Compensation, and Umbrella. Climate-controlled facilities require additional consideration for HVAC, electrical, and refrigerant exposures.
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  Data Center | HyperscaleInsurance compliance program for hyperscale data center facilities. Coverage includes Special Form Property with full replacement cost on highly-valued IT equipment and infrastructure, Business Income with extended period of indemnity, Equipment Breakdown with utility interruption and off-premises power coverage, Cyber Liability with first and third party coverages, Errors & Omissions, Pollution Liability, General Liability, Workers' Compensation, and Umbrella with $100M+ limits. Tenant SLAs drive specific contingent business income and service interruption requirements.
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  Student Housing | University-AdjacentInsurance compliance program for stabilized student housing properties adjacent to large university campuses. Coverage rules include Special Form Property, Business Income with summer-vacancy provisions, Loss of Rents, General Liability with parental waiver and host-liquor endorsements, Sexual Misconduct Liability, EPLI, Workers' Compensation, Cyber Liability, and Umbrella. University-affiliated properties may carry additional named insured and waiver of subrogation requirements per the housing agreement.
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  NYC | Co-op BuildingInsurance compliance program for New York City cooperative apartment buildings. The program enforces master policy requirements for the cooperative corporation and aligns with NY Insurance Law and lender requirements. Coverage rules include Special Form Property at agreed amount (or no co-insurance), Boiler & Machinery, Ordinance or Law (with significant sub-limits for older building stock), General Liability, Directors & Officers Liability (with employment practices extension), Crime / Fidelity Bond, Workers' Compensation, Umbrella, and Sidewalk Liability. Shareholder loans require evidence of master policy and HO-6 shareholder coverage.

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