Specialized Property Capacity for Institutional Grade Risks
Lighthouse Risk’s E&S property program delivers tailored coverage for professionally managed Class A and B commercial real estate portfolios. Our underwriting approach integrates real estate data, geospatial analytics, and catastrophe modeling to achieve precision in pricing, selection, and aggregation.
Target Classes of Business:
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Multifamily and habitational
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Retail centers and mixed-use portfolios
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Office and lessors’ risk
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Hospitality (select)
Coverage Features
Our coverage structure balances competitiveness with disciplined underwriting, offering flexible limit structures, deductible design, and proprietary endorsements designed to align risk.
Key coverages include:
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Available in all states except Alaska and Hawaii
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Utilization of ISO forms
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Property Building and Business Personal Property
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Business Income and Extra Expense
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Ordinance and Law: Sections A, B, C & D
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Equipment Breakdown
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Flood and Earthquake
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Risk Control and Claims
Lighthouse Risk employs a data-validated risk control framework to ensure that each property meets the program’s underwriting and quality standards. Every submission is verified using third-party data sources to confirm construction attributes, occupancy, and physical condition.
For properties 25 years and older, Lighthouse Risk conducts a detailed inspection, evaluating all critical systems—roofing, plumbing, HVAC, and electrical—to confirm compliance with underwriting requirements and minimize latent defect exposure.
Claims:
Lighthouse’s claims strategy is built to reflect our underwriting philosophy—precision, control, and transparency. By managing claims internally, we ensure alignment between underwriting intent and loss execution, maintaining consistency throughout the policy lifecycle. When it matters most, Lighthouse is committed to delivering the service, responsiveness, and outcomes our clients expect.