Habitational Risk Management and Property Insurance
RISE provides specialized risk management and insurance solutions through trusted agents and brokers, empowering today’s upscale real estate owners and property managers to effectively minimize and mitigate risk.
About RISE
Property managers face a broad and evolving range of risks. The inherently liability-prone nature of property management demands deep expertise in both general and professional liability. RISE was built from Tradesman Program Managers’ experience in construction property insurance, evolving alongside clients as their needs shifted from builder’s risk to ongoing maintenance and general liability coverage.
At RISE, we take a holistic approach to risk management – combining loss control, end-to-end claims management, and specialized underwriting. Our team is uniquely equipped to navigate complex commission structures and policy changes, delivering efficient, responsive service to your clients.
We prioritize prevention through integrated safety strategies and leverage advanced underwriting tools, including predictive modeling, data mining, and customized rate development, to deliver smarter, more proactive solutions.
Speak with an Expert
What We Write
Habitational General & Excess Liability
Availability:
NY & NJ – Admitted/E&S; All other States E&S (AL, AZ, CA, CT, FL, GA, LA, MA, NC, NM, PA, SC, TX & VA)
Features:
ISO General Liability
- $1MM per occurrence / $2MM general aggregate (minimum)
- $2MM per occurrence / $4MM general aggregate (maximum)
- Excess Liability Limits: $3MM
- Minimum Premium: $200,000 in the 5 Boroughs for $1/$2/$2 Limits; $250,000 in the 5 Boroughs for $2/$4/$4 Limits; $150,000 Outside of 5 Boroughs
Eligibility Map
Who We Insure:
- Real Estate Property Owners, Landlords & Managers
- Real Estate Developers (excluding construction operations)
- Apartments (including low income, subsidized, section 8, section 42)
- Condos, Co-Ops, Townhome Associations
- Senior & Retirement facilities (no assisted living providing medical)
- Commercial Lessors Risk locations
- Shopping Centers & Strip Malls
- Light Industrial facilities
- Office Buildings & Condominiums
- Warehouses
- Parking Garages (in conjunction with living facilities)
- Student Housing
Program Highlights:
- A.M. Best A- (Excellent) VIII financial stability
- Conservative Underwriting Approach
- NY Labor Law Coverage is Provided
- Full-service platform capabilities
- Consistent schedules
- Credible, Complete Loss Data and Historical Exposures
- Crime Score Underwriting
- Mandatory Deductible or SIR – (Skin in Game)
- Emphasis on Mandatory Loss Control Metrics, including but not limited to:
- Inspection of property and adequate insured loss control budget for cameras, lighting improvements (ideally pre-binding)
- Incident Reporting, real time, thru smart phone app
- Mandatory Standardized Third-Party contracts with vetting process (for construction subs, snow removal, security, etc.)
- Limited, trustworthy trading partners
- Insureds who will allocate resources to mandatory risk management practices
Submission and Carrier Information
Submission Requirements
To obtain a quote with the best possible terms, we need:- Minimum of 7 years, ground up and currently valued loss data with corresponding historical unit count.
- 5 years of audited historical premium(s)
- Completed ACORD application
- Copy of current GL Policy with pricing, rating basis, terms and conditions.
- If requesting 2/4/4 limits, please provide a copy of the current $1M x $1M or Umbrella Policy including pricing, terms and conditions.
- Completed ‘RISE’ Supplemental Application
- Completed ‘RISE’ Statement of Values with COPE information
- Signed authorization of Loss Control Inspection (pre or post binding)
- Copy of standard tenant lease
- Copy of 3rd party contracts/hold harmless agreements that are utilized with all contractors/vendors.
Carrier Partner
Why Work with RISE?
Real Estate and Property niche market focus
Full-service, specialty MGU platform
Experienced Management Team
Impressive U/W Performance
Roosevelt Road Re Capacity
Diverse panel of 30+ Authorized Reinsurers
Our Team
The RISE management team is comprised of seasoned experts with extensive experience across the MGA and reinsurance industry, and the proven ability to navigate today’s market.
Dan Hickey Jr.
Rick Ecklord
Thomas Kelly
Anthony Dietz
Sean McDonnell
Greg Jablonsky
Nick Markgjonaj
Samuel Hickey
Carrie Ginchereau
Mark McDonnell
Roger Flores
Joe Mercurio Jr.
Anthony Baird
Al Gutierrez
Kristin Thorne
Jennifer Pymm
Jocelyn Kelly
Jim Kilduff
Lily Hickey
Kymbra Lier
Marc Michalewsky
Morgan Corbett
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