Real Estate
Get an expert opinion from Luca Zarzana
What We Offer
We offer a range of services to meet the needs of every client. Have something else in mind? We'd be happy to work with you to create a custom quote.
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Protect apartment buildings, mixed-use properties, office buildings, retail centers, industrial properties, and real estate portfolios with customized property insurance. Coverage can include replacement cost, business income, equipment breakdown, ordinance & law, flood, and other property-specific exposures.
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Safeguard your assets against tenant claims, slip-and-falls, property damage, completed operations, and other third-party lawsuits with General Liability, Umbrella, and Excess Liability coverage.
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Tailored insurance solutions for commercial property owners, real estate investors, property management companies, condominium associations, co-ops, and HOAs. We build programs that protect both the physical assets and the organizations responsible for managing them.
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Whether you're renovating an existing property or building from the ground up, we provide Builder's Risk, Owners Interest, Contractors Pollution, and other specialized coverage designed for construction projects.
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Protect your organization and leadership with Directors & Officers (D&O), Employment Practices Liability (EPLI), Fiduciary Liability, Crime, and Cyber coverage designed for real estate owners, management companies, and community associations.
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Protect against environmental exposures such as pollution, mold, lead, asbestos, underground storage tanks, and other risks often excluded from standard property policies.
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Workers' Compensation and Employers Liability coverage designed to protect maintenance staff, leasing teams, office employees, and other personnel while helping your organization meet state requirements.
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Protect your investment from flood, earthquake, windstorm, and other catastrophic events with specialized coverage tailored to your property's geographic and operational exposures.
My Process
Understand Your Portfolio
Every engagement begins with a thorough understanding of your properties, ownership structure, operations, claims history, and long term objectives. This allows me to identify key exposures before developing an insurance strategy.
Evaluate Your Program
I perform a comprehensive coverage review, analyzing property valuations, liability exposures, policy forms, endorsements, deductibles, and coverage gaps to ensure your program is properly structured.
Market & Negotiate
Your account is presented to carefully selected carriers with a focus on securing the strongest combination of coverage, terms, and premium. Every submission is positioned to maximize underwriter confidence and market competition.
Advise Beyond Renewal
Insurance is an ongoing process. From claims advocacy and certificates of insurance to lender requirements, acquisitions, policy changes, and renewal strategy, I remain a trusted advisor throughout the life of your portfolio.
Let's Review Your Insurance Program
Whether you're renewing next month or simply want a second opinion, I'll benchmark your current insurance program against over 100 carriers and specialty markets.
✓ Complimentary Review
✓ No Obligation
✓ 48-Hour Turnaround