Is a coverage review the same as a quote?

No. A quote prices a policy. A coverage review diagnoses your existing program against how your business operates: the services, the money movement, the contracts, the data, and the staffing. You get the findings regardless of whether you change anything. It is built to tell you where you stand, not to sell you a policy.

What do I need to provide?

As little as a description of how your firm works, or as much as your current policies and a few key contracts, a management agreement, office lease, or vendor agreement, if you want a closer look. Those documents often reveal more about your real exposure than the declarations page, especially around additional-insured and indemnity requirements.

What does the review cost?

It is part of being your advisor, with no obligation attached. You keep the findings whether or not you place coverage with us. Our view is that a real estate professional should be able to understand their exposure before a claim, a contract, or a renewal forces the issue.

Will you tell me if my current coverage is fine?

Yes. If your program already fits the work, we say so. The point of the review is an honest read, not a switch. Where there are gaps, we rank them by importance; where there are not, that is a useful answer too.

Real Estate Coverage Review - Vantage Point Risk

We start with the work, not the policy.

Most real estate professionals do not need another quote. They need to know whether the coverage they already have still matches how the business actually works. A coverage review is an operational interview, not a renewal questionnaire, and it starts with the work, not the policy names.

Ready to talk? Get a quote. Want a read first? Compare your coverage.

We built the review around how real estate firms actually create liability: where you make representations, where money moves, who can bind the firm, and what your contracts require. We read your operation against your coverage and tell you straight where a claim would find a gap. You keep the findings whether or not you ever move your coverage to us.

What we actually ask

The questions that matter are operational: what services you really perform, whether you handle rentals or property management, whether you collect or move client funds, whether you maintain trust or escrow accounts, whether you send or verify wiring instructions, whether staff or contractors drive for the business, what data you store, what you outsource, and what your owner, franchise, lender, landlord, and vendor contracts require, including who must be additional insured on whose policy. Those map directly to how real estate firms actually get hurt.

How the review flows

We move in order: services performed, entity structure and staffing, money movement, property and vehicle operations, contracts and indemnity, data and systems, claims and complaints history, and growth plans. That sequence matters, because jumping straight to limits before understanding the operation is exactly how coverage ends up mismatched. We also ask to see a sample management agreement, office lease, vendor agreement, and client-facing wiring notice, which often reveal more than the declarations page.

What you get

A clear findings memo: where your E&O, cyber, EPLI, and other coverages line up with the work, where they do not, what your contracts require that your policies may not deliver, and the priority fixes ranked by what matters most. No obligation, and the findings are yours either way. If we can improve the program, we show you how; if you are covered well, we tell you that too.

We start with the work, not the policy.

What we actually ask

How the review flows

What you get

Real Estate Coverage Review, answered.

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We start with the work, not the policy.