Commercial Property
Replacement cost
Building, business income, and ordinance-or-law coverage valued against real construction costs so you are not caught underinsured after a loss.
Specialty Program
Insurance for real estate owners and operators.
From single commercial buildings to multi-property portfolios, Fortwell structures property and liability programs that satisfy lenders, leases, and partners.
Coverage for real estate
The lines your lender, tenants, and partners expect to see.
General Liability
$1M / $2M
Premises liability for tenants, guests, and vendors, written to satisfy lender and lease requirements on every property in the portfolio.
Umbrella / Excess
$5M+
Additional limits above property and liability towers, frequently required by mortgage holders and institutional partners.
Equipment Breakdown
Scheduled
HVAC, elevators, boilers, and building systems — repair costs plus the lost rents that follow an outage.
Management Liability
$1M+
D&O, EPLI, and fiduciary coverage for ownership entities, LLCs, and property management companies.
Builders Risk & Vacant
Project specific
Renovation, repositioning, and vacant-building programs placed with markets that will actually write the risk.
Limits and terms are tailored to each operation, contract, and state. We confirm coverage requirements before binding so certificates are accepted on day one.
Why owners work with us
A schedule is only as good as the detail behind it.
01
Lender and lease compliance
We read the loan documents and lease insurance clauses, then confirm the policy and certificate satisfy them before closing day.
02
Schedule-level accuracy
Values, COPE data, and protection classes reviewed property by property — the single biggest driver of pricing in today's property market.
03
Claims advocacy on losses
Water, fire, and wind claims get an advocate who pushes on scope, reserves, and business-income calculations.
Claims, Risk & Advisory
We don't just place coverage — we help you use it.
Our team works beside you before, during, and after a loss. From certificate compliance to claims advocacy and contract review, we turn insurance into a practical business tool.
Claims Advocacy
When a loss happens, we manage the notice, coordinate with adjusters, and push for accurate reserves. Our goal is to protect your experience modification and keep your business running.
Learn moreRisk Management & Consulting
We review contracts, certificates, and owner-controlled insurance programs before work starts. Our consulting helps you negotiate better terms, close gaps, and reduce exposures before they become claims.
Learn moreCertificates & Compliance
Same-day certificates of insurance, additional insured endorsements, and subcontractor compliance tracking that keeps your job sites and contracts moving without delay.
Learn moreBonds
Contract, commercial, and license bonds placed with surety markets that understand contractors and growing businesses. We package financials so you can bid and bond with confidence.
Learn more