Protect Your Portfolio.

Specialized insurance for Connecticut's Landlords, Commercial Property Owners, and Real Estate Professionals.

More Than Just Bricks and Mortar

Real estate is one of the best ways to build wealth, but it also carries significant liability. A single slip-and-fall on an icy sidewalk or a fire in a tenant's unit can jeopardize your entire investment.

At River East Insurance, we work with both sides of the industry: the **Investors** who own the buildings (Lessor's Risk) and the **Professionals** who manage and sell them (Real Estate E&O).

We understand that your property isn't just a building; it's a revenue stream. Our goal is to protect that income against physical damage, liability lawsuits, and tenant disputes.

Properties We Insure

We have markets for diverse real estate portfolios.

Apartment Buildings & Multi-Family
Mixed-Use (Retail with Apartments)
Commercial Office Buildings
Strip Malls & Retail Centers
Warehouses & Industrial Parks
Vacant Land & Buildings

Core Coverage for Real Estate

Lessor's Risk Only (LRO)

The standard policy for landlords. It covers the physical building you own and the liability arising from "premises risks" (like the parking lot or lobby).

Building Property Coverage
General Liability (Slip & Fall)
Medical Payments

Loss of Rents / Income

If a fire makes your building uninhabitable for 6 months, you lose your rental income. This coverage replaces that lost cash flow so you can still pay the mortgage.

Replaces Rental Income
Covers Fixed Expenses
Extended Period of Indemnity

Real Estate E&O

For Agents, Brokers, and Property Managers. Protects you if a client sues for negligence, failure to disclose, or discrimination in housing.

Fair Housing / Discrimination Defense
Failure to Disclose Defects
Lockbox Liability

The Hidden Risk: Vacancy

Did you know that most standard commercial property policies contain a Vacancy Clause?

If your building is less than 31% occupied for more than 60 days, your coverage for Vandalism, Sprinkler Leakage, and Glass Breakage might automatically disappear. If you are renovating a building or between tenants, you need a specialized "Vacant Building" policy to stay protected.

✔ Tenant Legal Liability: Protection if a tenant accidentally burns down your building.
✔ Ordinance or Law: Pays for the extra cost to rebuild up to current building codes.
✔ Cyber Liability: Essential if you store tenant Social Security numbers or run credit checks.

Review My Property Coverage

Common Landlord Questions

Should I require tenants to have Renters Insurance?

Absolutely. You should require them to carry "Renters Insurance" and list you as an "Additional Interest." This shifts the liability for their negligence (like a kitchen fire) onto their policy, not yours.

Does my policy cover flood damage?

No. Standard Commercial Property policies exclude flood. If your rental property is in a flood zone (or even if it isn't), you need a separate Flood Insurance policy.

What is "Wrongful Eviction" coverage?

This is a part of General Liability (Personal & Advertising Injury). It protects you if a tenant sues claiming you evicted them illegally or invaded their privacy.

I'm flipping a house. Do I need special insurance?

Yes. A standard home policy won't cover a house under major renovation. You need a "Builders Risk" policy to cover the structure and the building materials on site.