Real estate and property insurance

Are you prepared for flood, fire, or theft? Our real estate and property insurance can help keep your buildings safe and profitable when trouble strikes.

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Who needs real estate and property insurance?

Whether you manage an industrial complex or oversee a residential apartment building, your business relies on the safety and stability of that structure. Not only is the building itself valuable, those who use it count on you to keep it functional – no matter what.

Here are some sectors that should consider real estate and property insurance:

Industrial buildings

Industrial buildings

Building managers

Building managers

Office buildings

Office buildings

Public rental units

Public rental units

Apartment houses

Apartment houses

Ready to get started? Let’s begin with the pressing question…

What does real estate and property insurance cover?

Working with our reputed brokers, we tailor our insurance for real estate and property to the most prevalent risks in your industry – and to some you may not have considered. Your policy is built on important basic coverages for the real estate sector.

Here are a few ways some key coverages can come to your rescue:

Commercial property

Prioritize property protection

It goes without saying: an insurance policy for real estate should focus on your building and the property inside. But warehouses, apartment buildings, public rental units, and office space will demand different types and levels of protection from typical (and atypical) hazards. How well does your commercial property coverage align with your actual risk?

Your real estate and property insurance policy should include property coverage to support you in case your building, lot, or important tools and equipment were to be damaged or destroyed. Fire, vandalism, and extreme weather are just a few of the risks that your coverage needs to address.


Renting your space? Think of your tenants

You won’t witness everything that happens on your property, but you could be held liable if someone is injured or their property is damaged, even if you were offsite and unaware of the event. For instance, if faulty wiring or degraded plumbing causes a problem for a tenant, they could bring legal action against your business.

In this case, you can count on your commercial general liability (CGL) policy, which is the foundation of your business insurance coverage. It’s designed to cover costs arising from a bodily injury or another type of loss to a third party, like legal expenses.


Big buildings can be big targets

Unfortunately, crime is commonplace and commercial buildings are prime targets. Thieves could be after things like equipment or money, and your building’s doors and windows are no match for a committed criminal. In other cases, employees could use their building access to carry out the heist, leaving you on the hook for the repairs and stolen items.

Crime coverage can be an important feature in your real estate coverage, especially when there’s pricey property or accessories on your lot. Your broker can help you determine what type and extent of coverage your business needs.

We can include these other helpful coverages for real estate and property services businesses, too:

  • Crime
  • Business interruption
  • Errors & Omissions
  • Auto fleet
  • Equipment breakdown
  • Business income
  • Inland marine
  • Commercial automobile
  • Garage automobile
  • Umbrella liability
  • Excess liability
  • Directors & Officers

Take the first step toward your new policy.

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What can you expect from your policy?

Construction insurance - Knowledge:


Our underwriting team understands the exposures in the property services sector, so we can adapt and expand our offerings as our customers’ needs grow. This means we’ll be able to get you up and running again quickly after an unexpected incident.

Construction insurance - Resolution:


We hope you never experience a loss, but if you do, you can count on our dedicated claims team to help get you back to business. We’ll work together with your broker to get the claims process underway as soon as your claim is reported, and we’ll always keep you in the loop. If any questions or concerns should arise, don’t fret – we’re here for you 24 hours a day, 7 days a week.

Construction insurance - Support:


You can enjoy the perks of your policy well before you experience a loss. Our Risk Services team works hard to help keep your business running safely, smoothly, and consistently with detailed bulletins, workplace risk assessments, and onsite training.

Our Assist Services

On top of our comprehensive core coverage and exceptional customer service, your business insurance policy grants you access to our Assist services* for extra peace of mind.

Legal Assist

Need legal advice? You have unlimited telephone access to legal guidance and insight on a wide variety of legal topics related to your business – no question is too small!

Trauma Assist

Losses can bring extreme emotional fallout, so we offer access to confidential 24-hour counselling to help our customers, their employees, and their family members cope.

Risk Management Assist

Our team of Risk Services specialists is at your service: customers can enjoy unlimited telephone access to experts who can help mitigate risks with advice and guidance on a range of loss prevention topics.

Cyber Assist

We’ve partnered with CyberScout to offer consultation on data and cyber risk management, including proactive measures to protect your business and reactive measures to help you recover from a breach.

Learn more about how and when our Assist services can come to your rescue!

Managing Risk

Risk management is a smart investment – and we provide it at no extra cost!

Unparalleled industry expertise, professional guidance, and innovative approaches to managing risk help our Northbridge Risk Services experts stay one step ahead of the crowd. Each year, our team conducts over 5,000 risk assessments and service calls for businesses across Canada. Our onsite assessments are complemented by a selection of in-depth training programs and educational tools to help companies excel in their industries.

Our Risk Services team offers technical publications to help you gain a better understanding of the potential exposures in your industry, and they can provide personal guidance to help fine-tune your daily operations. Find out more about what our experts can do for your business here.

* Legal Assist not provided for criminal, personal or insurance issues, do not provide representation in legal proceedings or legal fees coverage, and provided by Assistenza International, through lawyers licensed in your jurisdiction. Risk Assist provided by our Risk Services specialists and are intended to augment your internal safety, compliance and risk management practices, and are not a substitute for professional or legal advice. Trauma Assist provided by independent third-party professionals, long-term and specialized counseling not included. Cyber Assist provided by CyberScout services are not included in any cyber extension or endorsements. Services are not an insurance policy, not all policies are eligible, contact us for details.
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