Sophisticated risk solutions.Innovative.Senior-level attention.

Deep real estate & multifamily expertise

Real estate is at the core of our business.

We advise owners, operators, developers, managers and investors across all major real estate asset classes, including multifamily, single-family rental, student housing, commercial, hospitality, retail and industrial.

Our approach extends beyond insuring individual properties. We understand how insurance must support acquisitions, development, financing, operations, asset management and disposition.

Within multifamily, our team has extensive experience working with some of the industry's largest owners, operators and managers, giving us a practical understanding of the risks and costs affecting complex real estate portfolios.

More than an insurance placement

The lowest premium does not always produce the lowest cost of risk.

We evaluate how risk is transferred, retained and financed across the organization and identify opportunities to improve the overall structure — from traditional insurance and deductible strategies to alternative risk solutions, captives and resident programs.

Our objective is simple: build a risk and insurance program that supports the business — not the other way around.

Large-account market expertise

Complex risks require both access to the right markets and the experience to use them effectively.

Our team has decades of experience placing large and complex insurance programs throughout the U.S., London, Bermuda and global insurance marketplaces. We know how to structure programs, differentiate risk and create competition among insurers to achieve the optimal combination of coverage, capacity and economics.

This expertise is particularly valuable for large real estate portfolios, where catastrophe exposure, geographic concentration, loss experience and changing market conditions can materially affect results.

Captive & alternative risk expertise

Traditional brokerage and captive strategy, working together.

Our ability to integrate traditional brokerage with sophisticated captive and alternative risk strategies is a significant differentiator.

For the right organization, a captive can transform insurance from a recurring expense into a strategic risk-financing vehicle. We evaluate where risk can be retained more efficiently and how traditional insurance and captive structures can work together to reduce long-term cost of risk.

This expertise is especially valuable in real estate and multifamily, where captive structures can address multiple layers of risk and create opportunities beyond traditional property and casualty insurance.

Multifamily beyond the traditional insurance program

Our multifamily expertise extends beyond the properties themselves.

We understand the relationship between owners, operators, property managers and residents — and how insurance and risk programs can be structured around that ecosystem.

Stern Risk Partners has significant experience developing and implementing resident liability, resident contents and other resident-focused insurance programs, including programs utilizing captive structures.

Properly designed, these programs can improve compliance, reduce uninsured resident-related losses, increase control over risk and create meaningful economic benefits for owners and operators.

The combination of large-account property and casualty expertise, multifamily specialization, resident programs and captive capabilities gives Stern Risk Partners a perspective few traditional insurance brokers can provide.

Senior-level attention

Our clients work directly with experienced professionals who understand their business.

The people developing the strategy remain actively involved in marketing, negotiating and managing the program. Senior expertise does not disappear after the initial presentation.

The result is greater accountability, faster decision-making and a deeper understanding of our clients' businesses.

Independent thinking

As a privately held firm, we have the freedom to approach risk differently.

We are not limited by predetermined products, insurance markets or internal profit centers. We objectively evaluate traditional insurance, alternative risk transfer, captives and other strategies to determine the structure that best serves the client.

While real estate and multifamily represent areas of particular depth, our large-account approach extends across the industries we serve.

Understand the business. Challenge conventional thinking. Access the right markets. Structure risk intelligently. Deliver measurable results.