For real estate owners & operators

Risk management
for real estate.

Most owners overpay for insurance, stay under-protected, and run the whole thing off scattered PDFs and renewal emails. Light RFP gives you an in-house risk team and one platform for every policy across your portfolio.

Every policy in one place — property, GL, umbrella, builder’s risk
Vendor COIs tracked automatically — never chase a certificate again
A-rated carriers, re-shopped at renewal — properly covered, not overpaying
your-portfolio · live
Trusted by industry leaders
NYCEDC
BDG
Capital
McKinney
Terra
JLL
Triple Five
Georgetown
NYCEDC
BDG
Capital
McKinney
Terra
JLL
Triple Five
Georgetown
More than insurance

Insurance as it should be — on the same record as the work.

You already run your projects, vendors, and bonds on Light RFP. Insurance lives in the same place: one platform, one team, one clear picture of how every property is protected.

One platform

Every policy across the portfolio, in one place.

Stop hunting through PDFs, binders, and renewal emails. See every building, every line of coverage, every premium and renewal date in one clean view.

  • All lines, all propertiesProperty, general liability, umbrella, builder’s risk, flood, and loss-of-rent — organized by building, not by broker.
  • Real coverage clarityKnow exactly what you’re covered for and what you’re paying — limits, deductibles, and total cost at a glance.
portfolio-coverage · live
Portfolio coverage6 buildings · 14 active policies
All in force
Property — all buildings$48,200/yr
General liability$12,400/yr
Umbrella ($10M)$8,900/yr
Builder’s risk — 2 projects$6,150/yr
Total annual premium$0
Vendor compliance

Never chase a certificate again.

Your vendors already live on Light RFP. We collect, verify, and monitor their certificates of insurance automatically — and flag a gap before it becomes your liability.

  • Automatic COI trackingEvery contractor’s COI is collected at bid time and checked against your requirements — additional insured, limits, endorsements.
  • Expiration alertsGet notified before a vendor’s coverage lapses, so no one ever works your property uninsured.
vendor-coi · live
Vendor certificates0 of 14 compliant
2 need attention
Apex MechanicalValid through Mar 2027
Crown RoofingExpires in 9 days
Delta ElectricNo certificate on file
Hudson PlumbingValid through Aug 2026
Builder’s risk & bonds

Coverage that follows the project.

Renovating or building? Bind builder’s risk and the surety bonds the job needs right alongside the RFP you’re already running here — one record from scope to closeout.

  • Project-based coverageBuilder’s risk sized to the job, in force the day work starts, tied to the same project file as the bids and bonds.
  • Bonds built inFree bid bonds and flat-3% performance & payment bonds from A-rated carriers, already part of your Light RFP flow.
project-file · live
Roof replacement120 Hudson St · RFP #2231
Covered
Builder’s risk · $1.2M Payment & performance bond Vendor COIs verified
Awarded toCrown Roofing
Coverage in forceDay 1
Claims advocacy

Claims handled, not buried.

When something goes wrong on a property, you have an advocate — not a phone tree. File once, track the status, and let us push the carrier for a fair, fast outcome.

  • One place to fileOpen a claim against the right policy in seconds; every document and message stays on the property’s record.
  • We work the carrierLicensed advisors manage the back-and-forth and keep your claim moving toward resolution.
claim-status · live
Water damage claim120 Hudson St · Property policy
In review
  1. Claim filedMon
  2. Adjuster assignedTue
  3. Documentation reviewedNow
  4. Payout issued
“Sent the carrier the repair scope — pushing for a decision this week.”
Transparent renewals

Renewals you actually understand.

At renewal we re-shop A-rated carriers, benchmark what you pay against the market, and lay the options out side by side — so you stop overpaying and never get surprised.

  • Side-by-side proposalsCompare carriers on limits, exclusions, and price in one view — the same bid-leveling clarity owners get on RFPs.
  • No hidden markupStraight answers on what’s covered and what it costs, every term. Do it right, not twice.
renewal-compare · live
Best value
Carrier A
$71,400/yr
Flood coverage included
Carrier B
$78,200/yr
Carrier C
$76,800/yr
Carrier D
$79,500/yr
Carrier E
$83,900/yr
Carrier F
$88,100/yr
Re-shopped across 6 carriers — $0 saved this year
// Lines of coverage

Everything a real estate portfolio needs.

01PropertyBuilding, contents & equipment
02General liabilitySlips, falls & third-party claims
03Umbrella / excessLimits above your primary policies
04Builder’s riskRenovation & ground-up projects
05Loss of rentIncome protection after a covered loss
06Flood & specialtyFlood, environmental & equipment breakdown
FAQs

Common questions.

What does it cost to work with Light RFP? +
The coverage review is free, and there’s no platform fee for managing your policies and COIs. We’re a licensed brokerage — we’re paid by the carrier when you bind, the same as any broker, just without the disorganization.
What lines of coverage do you write? +
Property, general liability, umbrella/excess, builder’s risk, loss of rent, flood, and specialty lines like environmental and equipment breakdown — plus the surety bonds your construction projects need.
I already run projects on Light RFP — how does insurance connect? +
Your vendors, their COIs, your bonds, and your project files already live here. Insurance sits on the same record, so builder’s risk binds with the RFP and every contractor’s certificate is verified before they set foot on the property.
Will I actually save money? +
We benchmark what you pay today against A-rated carriers and re-shop the market at every renewal. Many owners are over-insured in one place and exposed in another — we fix both, transparently, with no hidden markup.
“Insurance as it should be: transparent, proactive, and on the same record as the work — so you focus on the portfolio, and we handle the risk.”
The Light RFP risk team · Licensed in all 50 states

See how protected your portfolio really is.

A free coverage review — every building, every policy, every gap, in one clear picture.