Real Estate - Primary Department- Philadelphia Insurance Companies

Commercial Real Estate

PHLY E&S provides comprehensive CGL and Property Coverage on select commercial real estate exposures.

Commercial Real Estate

PHLY E&S will selectively entertain commercial real estate exposures that require a unique approach toward the business. Accounts selected will encompass superior characteristics including fire/ life safety standards, loss control/ mitigation standards, and those willing to partner with PHLY in controlling both the frequency and severity of liability claims.

Product Contact

Kristin Stein, VP
Product Manager

For new business inquiries, please call 855.585.6322 or submit an application:

Wholesalers: To

Retail Agents: Directly to your local Marketing Representative/Account Associate.

Regional Office List

Vacant Property

Target Classes

  • New construction that is not yet occupied
  • New property acquisitions
  • Real estate development property not yet under construction
  • Foreclosed vacant properties
  • Properties available for lease, not yet occupied
  • Buildings awaiting renovation

Unacceptable Classes

  • Sites or buildings with known pollution exposures
  • Parks
  • Urban vacant lots
  • Lots used for local RV recreational activities
  • Lakes or ponds
  • Condemned buildings (Unless there is an acceptable plan for demolition to occur within a short period of time. Property coverage is not available on condemned buildings)

Risk Management Services

Real Estate

Target Classes

  • Lessors Risk (Premises maintained by insured or tenant)
  • Office Buildings
  • Land
  • Banks and Financial Institutions
  • Factories
  • Self-Storage Garages
  • New Ventures/ New Purchases
  • Parking lots/ garages
  • Combined Office/ Retail/ Mixed Use, with minimal Habitational Exposure
  • Warehouse/ Industrial

Unacceptable Exposures

  • Non-sprinklered over 5 stories
  • Existing mold & asbestos issues
  • Residential Apartment Buildings


  • Commercial property coverage up to $10M per risk
  • Ability to write coastal risks including Wind & Hail Coverage (depending on state and distance to coast)
  • Equipment Breakdown Including Spoilage Coverage available as optional coverage
  • Property Enhancement Endorsement available including Money & Securities, Backup of Sewers and Drains, and other additional coverages

Environmental - Up to $15M in limits

Excess Casualty

Financial Security

  • AM Best rated A++
  • Standard & Poor's Assigned A+

Paying your bill?
Have a claim?
Check policies?

Need something else?

Our customer service team is ready to help you with whatever you need.

Contact contact internalLink
This website uses cookies to ensure you get the best experience and ensure the website functions effectively.
Please Wait...

Please Wait