Real estate insurance,
engineered for certainty.
Icon Insurance Programs, LLC builds high-end commercial coverage for property managers, real estate investors, and business owners who expect more from a broker — clarity, speed, and a partner who understands the risk behind every roofline.
Six Core Coverage Programs
- Commercial Property Insurance
- General Liability Insurance
- Commercial Umbrella Insurance
- Captive Insurance Management
- Risk Management Consulting
- Business Owners Policy (BOP)
We don't just offer insurance — we build lasting partnerships.
At Icon, we work with property managers, investors, and business owners who demand more from their coverage than a once-a-year phone call. With years of specialized experience in real estate and commercial risk, we deliver high-end insurance solutions designed to protect your properties, support your operations, and position your business for long-term success.
We are a full-service insurance agency — which means we don't hand you off to a call center once your policy is bound. From the first risk assessment to renewal season five years from now, you work directly with a team that knows your portfolio, your industry, and your name.
Every program we place is built the same way: with clarity instead of jargon, speed instead of red tape, and a genuine stake in seeing your business thrive.
The Precision Landlord Program
Single-family rentals, duplexes, triplexes, and small apartment buildings fall into an awkward gap — too much risk for a personal homeowners policy, too small to interest a carrier built for 50-unit complexes. We built Precision Landlord specifically to close that gap: purpose-built coverage for owners of 1-8 unit residential rental properties, priced and underwritten for exactly this investor segment.
Coverage built for how real estate actually works
Beyond Precision Landlord, six core programs round out our offering — each tailored to the realities of managing property, liability, and risk at scale.
Commercial Property Insurance
Protection for the physical assets that generate your income — buildings, structures, and business personal property against fire, wind, water, and vandalism.
We structure property programs around real replacement-cost realities and portfolio-wide efficiencies, so a single loss doesn't become a portfolio-wide problem.
General Liability Insurance
Coverage against third-party bodily injury and property damage claims — essential protection anywhere tenants, guests, and vendors interact with your business.
Slip-and-falls, on-site incidents, and vendor disputes happen. General liability keeps a single claim from threatening your operation's financial footing.
Commercial Umbrella Insurance
An additional layer of liability protection above your primary policies, shielding high-value portfolios from catastrophic, above-limit claims.
For larger portfolios, umbrella coverage is often the difference between a manageable claim and an existential one. We size limits to match your actual exposure.
Captive Insurance Management
An alternative risk-financing structure for qualifying portfolios ready to take greater ownership of their risk — and its rewards.
Rather than renting coverage year after year in the traditional market, captive structures let you build equity in your own loss experience over time.
Risk Management
Proactive consulting — property risk assessments, loss control, and claims advocacy designed to lower your total cost of risk over time.
Insurance is the backstop. Risk management is the strategy that keeps premiums in check and losses rare in the first place.
Business Owners Policy (BOP)
Property and liability protection bundled into a single, simplified policy — built for small-to-midsize businesses that want less complexity, not less coverage.
One policy, one renewal date, one point of contact — often at a better combined rate than purchasing each coverage separately.
Residential, multifamily, and commercial — under one roof
Whatever sits on the deed, we've likely insured something like it. A look at the property types our programs are built around.
1-8 Unit Rentals
Single-family homes, duplexes, triplexes, and fourplexes — the core of the Precision Landlord Program.
Apartment Communities
Larger residential portfolios, from garden-style complexes to mid-rise communities.
Office & Mixed-Use
Office buildings, retail, and mixed-use developments across growing commercial portfolios.
The difference is in how we work
Anyone can sell a policy. Few brokers understand real estate risk well enough to actually reduce it.
Real Estate Specialization
We speak the language of cap rates, NOI, and portfolio risk — not just insurance forms. Your broker actually understands your business.
Rapid Response
Closings and lender deadlines don't wait. Our team routinely turns quotes around within 24 hours, without cutting corners on coverage.
Concierge-Level Service
No call centers, no ticket queues. You have direct access to the people managing your program from day one through every renewal.
Transparent, No Jargon
We explain coverage in plain English, flag gaps before they become claims, and never bury the details you actually need to know.
From first call to lasting partnership
A clear, four-step process designed to get you covered quickly — and keep you protected as your portfolio grows.
Discovery Call
We learn your portfolio, your risk profile, and what's driven you to look for a new broker.
Risk & Coverage Review
We audit your existing policies line by line to identify gaps, overlaps, and overpriced coverage.
Custom Program Design
You receive a tailored proposal across every relevant coverage line — including captive options where they make sense.
Ongoing Partnership
We manage renewals, advocate on claims, and revisit your program annually as your portfolio evolves.
Built for the way you do business
Our programs are shaped around the industries where risk is most complex — and most expensive to get wrong.
Take greater control with captive insurance
As portfolios grow, traditional insurance markets often stop making sense — premiums rise, terms tighten, and you have no say in how your losses are priced. Captive insurance management gives qualifying clients a different path.
- Greater control over coverage terms, pricing, and claims handling
- Long-term cost efficiency for owners with strong loss histories
- Custom structuring aligned to your portfolio and risk appetite
Is Captive Right for You?
Captive structures typically make the most sense for larger, well-managed portfolios with consistent loss experience. Let's find out where you stand.
Schedule a ConsultationWhat our clients are saying
Frequently asked questions
Precision Landlord is our proprietary coverage program built exclusively for owners of 1-8 unit residential rental properties — single-family rentals, duplexes, triplexes, and fourplexes up through eight-unit buildings. Unlike a generic landlord policy pulled from a personal-lines carrier, or a commercial program built for 50-unit complexes, Precision Landlord is underwritten specifically for this in-between investor segment, with pricing, coverage, and service built around how small portfolios actually grow.
We work primarily with property managers, multifamily owners, commercial developers, and real estate investors — alongside small and midsize businesses and executives who need general liability, umbrella, or business owners coverage. If real estate or business risk is involved, we can likely help.
For most requests, our team turns around a quote within 24 hours — including tight timelines tied to closings or lender requirements. Complex, multi-property portfolios or captive structuring may take longer to design properly.
A Business Owners Policy bundles property and liability coverage into one streamlined policy with a single renewal date, often at a better combined rate than purchasing each coverage line individually. It's designed for small-to-midsize operations that want simplicity without sacrificing protection.
Captive structures tend to make the most sense for larger, well-managed portfolios with a consistent loss history. We'll walk through your numbers with you honestly — if traditional coverage still serves you better, we'll tell you that too.
Both. While real estate and property management are core specialties, we also support small business owners and executives with general liability, umbrella, and BOP coverage — with the same level of direct, concierge attention.
Absolutely. We manage your renewals, advocate on your behalf during claims, and revisit your program at least annually to make sure your coverage keeps pace with your portfolio. You'll always have a direct line to your broker — not a call center.
Request your proposal
Tell us a little about your properties or business, and our team will follow up within 24 hours with next steps — no obligation, no pressure, just clear answers.
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