Insurance Solutions for Commercial & Residential Real Estate

Our team works with commercial and residential building owners, landlords, developers, property managers, investors, and real estate portfolios to evaluate exposures, identify coverage requirements, and provide ongoing insurance guidance as your portfolio and business evolve.

Why Real Estate Professionals Require Specialized Coverage

Real estate involves a wide range of risks—from protecting buildings and rental properties to managing tenants, contractors, employees, and third-party service providers. Whether you own commercial or residential properties, develop real estate, or manage properties for others, your insurance program needs to reflect how your business actually operates.

 

A standard commercial insurance policy may not address the full range of exposures associated with real estate ownership and management. Property damage, tenant and visitor injuries, slip-and-fall claims involving sidewalks and walkways, construction-related risks, equipment breakdown, and other liabilities can create significant financial consequences when coverage is not properly structured.

 

At MJM Global, we develop insurance programs around the specific needs of building owners, landlords, developers, property managers, and real estate investors. We work with leading insurance carriers throughout the United States to build coordinated coverage that protects your properties, business operations, and assets.

Coverage Built Around Your Real Estate Operations

Every real estate business is different. Coverage needs can vary based on the type of property, number of locations, ownership structure, development activity, tenant exposures, and whether properties are self-managed or managed for others.

 

MJM Global can design comprehensive insurance programs that may include:

 

  • Commercial Property Insurance — protects buildings and other physical property against covered losses such as fire, wind, theft, and other covered perils.
  • General Liability & Premises Liability — protects against third-party bodily injury and property damage claims arising from your properties or business operations, including exposures involving sidewalks, walkways, entrances, common areas, parking areas, and other premises.
  • Landlord & Property Owner Liability — addresses liability exposures associated with owning and leasing commercial or residential properties, including claims involving tenants, visitors, contractors, and conditions on or around the property.
  • Builders Risk Insurance — provides coverage for buildings and construction projects during development, renovation, or construction.
  • Commercial Umbrella Insurance — provides additional liability limits above underlying policies, offering an added layer of protection for significant claims.
  • Workers' Compensation Insurance — covers work-related injuries and illnesses for eligible employees and helps satisfy applicable state requirements.
  • Employment Practices Liability Insurance (EPLI) — protects against certain employment-related claims, including allegations of discrimination, harassment, or wrongful termination.
  • Commercial Auto Insurance — covers vehicles owned, leased, or used in connection with your real estate operations.
  • Cyber Liability Insurance — addresses cyber, data breach, and network security exposures involving tenant, client, employee, and financial information.
  • Errors & Omissions / Professional Liability — particularly relevant for property managers and other real estate businesses providing professional services to property owners or third parties.
  • Equipment Breakdown Insurance — helps protect against losses involving covered mechanical and electrical equipment, including systems essential to building operations.
  • Flood, Earthquake & Other Specialized Coverage — available where property location and exposure warrant additional protection.
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Insurance for the Full Real Estate Lifecycle

Whether you are acquiring a property, developing a new building, managing a portfolio, or leasing and operating existing properties, MJM Global can help structure an insurance program around your real estate assets and operations. Our team works with commercial and residential building owners, landlords, developers, property managers, investors, and real estate portfolios to evaluate exposures, identify coverage requirements, and provide ongoing insurance guidance as your portfolio and business evolve.

Common Questions About Real Estate Business Insurance

  • What is the difference between general liability and E&O insurance for real estate professionals?

    General liability covers bodily injury and property damage claims — for example, a client who trips and falls in your office. E&O, or professional liability insurance, covers claims that arise from your professional services — such as a buyer alleging you failed to disclose a known defect or a landlord claiming you mismanaged their property. Most real estate businesses need both, as the two coverages address entirely different categories of risk.

  • Do property managers need E&O insurance if they are already covered under a property owner's policy?

    A property owner's insurance policy covers the owner's interests — it does not extend professional liability protection to the property manager. If a property owner brings a claim against you for a management error or omission, you would need your own E&O policy to cover the cost of defense and any resulting damages. Relying on the owner's policy to cover your professional exposure is not a sound risk management position.

  • Is landlord liability coverage the same as a standard homeowners policy?

    No. A standard homeowners policy is designed for owner-occupied residences and typically excludes or severely limits coverage for rental activities. Landlord liability coverage — often structured as a landlord policy or dwelling fire policy — is designed specifically for non-owner-occupied properties and includes liability protection relevant to a landlord-tenant relationship. Property owners renting residential or commercial space should not assume a homeowners policy provides adequate protection.

  • What cyber liability risks do real estate businesses face?

    Real estate transactions involve significant volumes of sensitive data — Social Security numbers, bank account information, wire transfer instructions, and personal financial records. Real estate businesses are targeted by wire fraud schemes and phishing attacks at a high rate. A cyber liability policy can cover the cost of notifying affected clients after a breach, legal defense, regulatory fines, and losses resulting from fraudulent wire transfer instructions if certain conditions are met. It is an increasingly important part of a complete real estate agency insurance program.

  • Can MJM Global place coverage for real estate businesses outside of New Jersey and Florida?

    Yes. MJM Global places commercial insurance in all 50 states, with access to top-rated carriers nationwide. Whether your real estate business operates locally, regionally, or across multiple states, we can structure a program that meets your coverage needs and the regulatory requirements of the states where you operate.