How can I lower commercial property insurance premiums across my portfolio?

Premiums track the risk profile underwriters can see, so the lever is an accurate, current picture of every property rather than a stale schedule of values. When condition, occupancy, and exposure are documented and up to date, you negotiate from evidence. REAL maintains a continuously updated risk profile per location to support underwriting and reduce avoidable premium.

How do I keep an accurate risk profile for every property?

Risk changes as buildings change, so a once-a-year snapshot drifts out of date almost immediately. The fix is to keep the profile tied to live operational and condition data per location. REAL updates each property’s risk picture continuously from the same record the rest of the platform runs on, so what the insurer sees matches what is actually there.

How can I catch insurance overcharges and premium errors?

The same way you catch any pass-through error: check what was billed against what the policy and the property actually justify. REAL audits premiums and exposure against the underlying record and flags discrepancies with the source attached, so a question to the broker is backed by evidence rather than a hunch.

Lease Administration / Insurance & COI Compliance

Know every insurance obligation, gap and renewal risk.

REAL connects the insurance requirements in leases and contracts to the policies, certificates and property evidence behind each location, then keeps both sides current as agreements and conditions change.

Get a dedicated demo

Which locations have COIs expiring in the next 60 days or fail their lease-required limits?

Today, 12:45 PMInsurance

A check of 1,860 certificates against the insurance requirements in each governing lease found 47 locations that need action. Expiring soon: 21 COIs lapse within 60 days, including 6 in the next 14 days. Limit gaps: 14 certificates show $1M general liability where the lease requires $2M. Missing language: 9 certificates omit the additional-insured wording the lease specifies. Requirement changes: 3 amendments raised required limits that current certificates do not yet meet. Would you like me to send renewal and correction requests to each tenant and vendor?

The policy is only half the record.

Insurance requirements live across leases, contracts, policies, certificates and property records
A certificate can be current but still fail the agreement. A required limit can change in an amendment
Property conditions can change without reaching the renewal record. REAL keeps the requirement, the evidence and the property context connected

Insurance requirements live across leases, contracts, policies, certificates and property records
A certificate can be current but still fail the agreement. A required limit can change in an amendment
Property conditions can change without reaching the renewal record. REAL keeps the requirement, the evidence and the property context connected

The policy is only half the record.

Read the insurance obligation from the agreement.

REAL reads the insurance clauses in each lease and contract and structures every requirement, so the obligation your team checks against is the one the agreement actually sets.

Coverage type
Required limit
Additional insured requirement
Deductible requirement
Certificate requirement
Notice requirement
Renewal date
Responsible party

Aerial view of a business district skyline with office towers stretching to the horizon

Check the evidence against the requirement.

Each policy and certificate is compared with the requirement it has to satisfy, and every location lands in a clear state your team can act on.

Lease or contract requirement
Policy / COI evidence
Matched · Gap · Needs review

Insurance compliance review comparing policy evidence against the governing requirement

Catch the gap before renewal or expiration.

REAL keeps every requirement and its evidence on a live status, so an approaching renewal, a missing certificate or a changed requirement surfaces before coverage falls outside the agreement.

Current
Approaching renewal
Evidence missing
Requirement changed
Action needed

Tracker showing upcoming insurance deadlines across the portfolio

Carry property improvements into the risk record.

When facilities teams close risk-reducing work, supporting photos, work orders and vendor evidence should remain available to the teams handling risk and insurance.

Risk identified
Facilities action
Repair completed
Evidence captured
Insurance record updated

Staff member working in a retail store aisle

One agent is powerful.
A suite is transformative.

Each REAL agent is an expert in its domain, built to share context and act on what the others know. The more agents work in your portfolio, the more complete each one’s view of it becomes, and the stronger every decision your team makes.

FacilitiesRight issue. Right owner. Right action.Connect asset condition, service history, contracts, work orders and site context to prevent failures and route the work that needs attention.Explore Facilities

ConstructionCatch the gap before it becomes cost.Connect drawings, standards, estimates, bids, scope, contracts and project history from first plan through final cost.Explore Construction

Portfolio StrategyRun the portfolio decision across every location.Combine economics, leases, physical feasibility, operations, market context and external constraints to rank what to do next.Explore Portfolio Strategy

Lease AccountingFrom ASC 842 to every lease-related payment.Maintain lease accounting, validate CAM and rent changes, control payments and trace every calculation back to the governing source.Explore Lease Accounting

Lease AdministrationTurn every lease term into action.Keep rights, obligations, dates, notices and recoveries current across the full lease portfolio, with the governing clause attached to every action.Explore Lease Administration

FAQ

Premiums track the risk profile underwriters can see, so the lever is an accurate, current picture of every property rather than a stale schedule of values. When condition, occupancy, and exposure are documented and up to date, you negotiate from evidence. REAL maintains a continuously updated risk profile per location to support underwriting and reduce avoidable premium.
Risk changes as buildings change, so a once-a-year snapshot drifts out of date almost immediately. The fix is to keep the profile tied to live operational and condition data per location. REAL updates each property’s risk picture continuously from the same record the rest of the platform runs on, so what the insurer sees matches what is actually there.
The same way you catch any pass-through error: check what was billed against what the policy and the property actually justify. REAL audits premiums and exposure against the underlying record and flags discrepancies with the source attached, so a question to the broker is backed by evidence rather than a hunch.

Initial agents live in two weeks.

Start with one or two high-value workflows, connect the required data and documents, measure the result, then expand across domains.

A tailored onboarding for every enterprise.
Fitted to how you actually work.
Continuous support as your portfolio evolves.

Get a dedicated demo

Know every insurance obligation, gap and renewal risk.

The policy is only half the record.

The policy is only half the record.

Read the insurance obligation from the agreement.

Check the evidence against the requirement.

Catch the gap before renewal or expiration.

Carry property improvements into the risk record.

One agent is powerful. A suite is transformative.

FAQ

How can I lower commercial property insurance premiums across my portfolio?

How do I keep an accurate risk profile for every property?

How can I catch insurance overcharges and premium errors?

Initial agents live in two weeks.

One agent is powerful.
A suite is transformative.