
Habitational Risk Management and Property Insurance
Habitational Risk Management and Insurance Program
RISE delivers specialized risk management and insurance solutions through agents and brokers to help today’s upscale real estate and property managers minimize or mitigate their risk.
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About RISE
Property managers face a wide variety of risks in today’s world. The varied and liability-prone nature of property management work requires professional and general liability expertise. RISE was borne from Tradesman’s involvement with construction property as coverage needs changed from builder’s risk to maintenance and general liability.
At RISE, we take a holistic approach to risk management with expertise in loss control services and end-to-end claims management. Our team has the unique ability to handle complex commission structures and policy changes resulting in highly efficient service for your clients.
We remain focused on prevention services, the integration of core safety principles and custom underwriting tools for rate development, predictive modelling, and data mining.
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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

Rick Ecklord

Thomas Kelly

Anthony Dietz

Sean McDonnell

Greg Jablonsky

Nick Markgjonaj

Samuel Hickey, CRIS

Carrie Ginchereau

Mark McDonnell

Roger Flores

Joe Mercurio, Jr.

Anthony Baird

Al Gutierrez

Chris Enderes

Kristin Thorne

Jennifer Pymm

Jocelyn Kelly

Jim Kilduff

Lily Hickey

Kymbra Lier
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Thomas Kelly
General Counsel
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Mark McDonnell
SVP-Business Auto
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Roger Flores
SVP-Business Auto
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- Structure Tone- 10 Columbus Circle (SSM)
- Roger & Sons/Turner Construction- 66 Hudson Blvd (SSM)
- AECOM Tishman- Hudson Yards Tower E (CSFSM)
- W&W Steel Erectors- Hudson Yards Retail and Tower A(Safety Manager)
- Yonkers Contracting- Montreign Resort Casino at Adelaar (Safety Rep.)
- Belway Electric- Regeneron Pharmaceuticals (Safety Rep.)
- Lendlease- Winthrop University Hospital (Safety Rep.)
- Certified Safety Professional (CSP)
- Licensed NYC Site Safety Manager (SSM)
- Associate Safety Professional (ASP)
- Construction Health and Safety Technician (CHST)
- 62 Supervisor SST Card
- OSHA Authorized Construction Trainer
- National Safety Council Defensive Driving Instructor
- Construction Site Fire Safety Manager (CSFSM)
- ATSSA Certified Flagging Instructor
- ATSSA Certified Traffic Control Supervisor
- 32 Hour Signal Person/Rigging Supervisor Trainer
- 32 Hour Rigging Supervisor
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Al Gutierrez
VP-Broker Relations West Coast
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Chris Enderes
SVP-Property
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Kristin Thorne
SVP-Corporate Communications