Representative $250M Multifamily Portfolio
Same coverage structure. Same carriers. An illustrative 34% premium reduction.
Portfolio Profile
Consider a clean, well-managed multifamily portfolio with a loss ratio under 15% for five straight years that would still likely see premiums climb at every renewal. That gap is exactly what a captive is built to close.
Total Insured Value (TIV)
$250,000,000
Units / Doors
1,351
$185,000 insured value per unit
Communities
~8
~180 units each
5-Year Loss Ratio
<15%
yet premiums kept rising every renewal
Traditional Placement
Placed the traditional way (retail, wholesale, carrier) at 0.44% of insured value.
Illustrative Annual Premium
$1,100,000
Per Unit
$814/yr
property, GL, umbrella blended
The Three Levers
Aggregation
11%$121,000 / yr saved
We approach the reinsurance market as a single ~$5.5 billion portfolio, not dozens of mid-sized owners. That scale commands pricing and terms no owner in this range could negotiate alone.
Direct Distribution
13%$143,000 / yr saved
A traditional placement bakes retail + wholesale commission into every premium dollar. We distribute directly, so that commission never gets added to your premium in the first place.
Captive Retention
10%$110,000 / yr saved
The underwriting profit your low-loss portfolio generates normally belongs to the carrier. In the captive, that margin stays in the program for its members.
Just over a third of premium, without touching a single term of coverage.
The Bottom Line
Illustrative Traditional Premium
$1,100,000
0.440% of TIV, or $814/unit
Illustrative Captive Premium
$726,000
0.290% of TIV, or $537/unit
Annual Savings
$374,000 (34%)
5-Year Savings
$1,870,000
What Can You Expect?
This example illustrates how the economics can work. Every member's savings depend on their own loss history, TIV, and current placement, but most low-loss owners see a similar pattern.
25% to 40%
typical premium savings
60%+
for the strongest loss histories
Ready to Own Your Insurance?
Be among the first to join Real Property Captive and transform your insurance spend into owned equity. Our protected cell structure is designed to make captive insurance accessible to mid-sized real estate owners.
