CRE Agents & Brokers
De-risk commercial deals before due diligence
Insurance gaps tank commercial deals just like residential ones — but the stakes are higher. CoverGuard gives CRE brokers a 90-second risk screen for any US commercial property, so you can flag issues before investors get cold feet.
Transparent pricing · Private Preview · request access to start
Screen a whole portfolio, not one site at a time
Demonstration · sample dataFour views of one sample batch. Nothing here is a real property or portfolio. Tiers and carrier changes are modeled and not bindable.
Screen every address at once
Upload a CSV of addresses. Each row is resolved and scored in the background, with progress as it runs. A row that cannot be resolved goes to an exception report and does not hold up the rest.
Sample batch: 12 of 12 screened · 11 resolved · 1 in the exception report
Not insurable on the modeled view: 1
- Source
- Each location's own Record assessment. These counts are samples
- Date
- A real batch shows when it ran; each location is as current as its assessment.
- Geographic resolution
- One property per row
- Classification
- Illustrative sample — in a real batch, tiers and risk levels are modeled per location
- What it decides
- Shows which locations need a closer look before due diligence.
- Limitation
- Tiers are a modeled reading of insurability, not a quote and not bindable. Carrier Match models personal lines only — homeowners, flood, wind, earthquake, umbrella and fire. It does not model commercial property, business-owner (BOP), general liability or commercial auto policies, so for a commercial property read it as a signal of the state market, not a commercial carrier slate.
- When to refresh
- Screen the portfolio again before a decision that relies on it.
Where the exposure sits
The batch rolls up by insurability tier and by risk level, so you see how much of the portfolio is hard to place before you look at any one site.
By insurability tier
- Clear4
- Watch3
- Constrained2
- Hard-to-Place1
- Unplaceable1
By risk level
- Low4
- Moderate4
- High2
- Very High1
- Source
- The batch rollup. These counts are samples
- Date
- As current as the batch run.
- Geographic resolution
- Counted by location; no map
- Classification
- Modeled estimate — sample counts
- What it decides
- Shows how much of the portfolio may be hard to insure.
- Limitation
- Counts by tier and risk level only. A map of where locations cluster is not built yet. Tiers are a modeled reading of insurability, not a quote and not bindable. Carrier Match models personal lines only — homeowners, flood, wind, earthquake, umbrella and fire. It does not model commercial property, business-owner (BOP), general liability or commercial auto policies, so for a commercial property read it as a signal of the state market, not a commercial carrier slate.
- When to refresh
- Re-screen after you add or remove locations.
Know when a held location changes
A Property Monitor, one of the CoverGuard Agents, runs on the schedule you set. Watches a property and reports changes. Each run re-checks the property's risk, insurability and modeled carriers and reports what changed since the last one.
- Sample location 3 (Houston, TX): Flood level moved from moderate to high since the last run.
- Sample location 9 (Phoenix, AZ): Fewer carriers modeled as writing in the state market since the last run.
- Source
- The Property Monitor's last two runs on each property. These changes are samples
- Date
- Each report names the run it compares against.
- Geographic resolution
- One property per report; carrier changes for its state market
- Classification
- Illustrative sample — carrier changes are modeled
- What it decides
- Tells you which held location to look at again.
- Limitation
- A report is a prompt to look again, not a decision, and not a quote.
- When to refresh
- Refresh the location's Record before you act on a change.
A Property Monitor watches properties in your own account, so it needs one. This is a preview.
Take the results out
Download a finished batch as a CSV: per-location results and the portfolio summary. Or call the CoverGuard API from your own systems.
There is no sample file to download. A real batch exports from your own account.
Insurance intelligence built for commercial deals
Commercial properties face unique risk profiles — environmental exposure, higher replacement costs, and a shrinking carrier market. CoverGuard helps you identify these risks before they derail a transaction.
- Assess multi-peril risk and insurability for any commercial property — in 90 seconds
- See the modeled carrier view for the property’s state market and risk profile — a personal-lines view for now; commercial property, BOP, general liability and commercial auto lines are not modeled yet
- Understand whether flood, fire, or wind exposure makes a property hard to insure — before due diligence
- Share a professional Client Report with investors and stakeholders
- Manage deal pipelines with built-in client management
- Works on any US commercial property — office, retail, industrial, multifamily
Before CoverGuard
“Three weeks into due diligence, the buyer’s lender found the flood cover the loan needed couldn’t be placed at a workable price. Six months of work — gone.”
After CoverGuard
“We screened the property before listing. Knew the flood risk and how hard it would be to insure upfront — the deal closed on schedule.”
Illustrative scenarios, not customer testimonials.
Property Insurability Intelligence
The risk isn't just flood or fire. It's whether the property can be insured at all.
In commercial real estate, a high hazard score isn't automatically a deal-killer — but an uninsurable property is. CoverGuard's risk assessments go beyond FEMA flood maps and wildfire severity ratings: they include an insurability assessment that tells you whether carriers show modeled availability in that state market, given the property's risk profile.
That means you walk into every investor presentation knowing not just "what are the risks" but "how likely is this asset to be covered, and at roughly what cost." It's the intelligence that separates a manageable risk from a dead deal — and it's available before you spend a dollar on formal due diligence.
Stop losing commercial deals to insurance risk
CoverGuard is in Private Preview. Ask for an invitation and a member of our team will review it — usually within one business day.