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P&C Brokerage •   Profit Center •  Captive Management  •  Program Administration

Why Choose Stern Risk Partners


  • We’ve been in your industry for years creating cutting edge solutions and solving our client’s struggles both new and old. We attend all of the major industry conferences and regularly speak at Multifamily events.
  • We are interacting with the insurance market for Multifamily on a daily basis so we know what insurance should cost and we can prepare our clients accordingly.
  • We help our clients solve insurance challenges when dealing with lenders, acquisitions and divestitures, different owners, allocations and coverage items.
  • Our experienced, professional staff will structure your Multifamily program so insurance never becomes an impediment to you focusing on your core business.

Industry Expertise
  • We believe that understanding your business is the first step to structuring the most efficient program for you. Our commitment to the Multi-family industry has been proven through the years.
  • We know what is needed for the Multifamily industry and will cover you accordingly. Whether its flood, mandatory resident liability insurance, tenant relocation expense, extended period of indemnity, or tenant discrimination, we have the solution for you.
  • Simplifying the administration of insurance is critical in the Multifamily industry. We are experienced in negotiating pre-agreed rates for acquisitions and divestitures as well as utilizing customized manuscript insurance policy forms.


  • We use proprietary, creative solutions to help our Multifamily clients find a new source of revenue by creating profit centers out of mandatory resident liability insurance programs, security deposit alternatives and deductible reimbursement policies.
  • Our creative structuring and understanding of the insurance market players helps you lower your total cost of risk.

Multifamily Insurance

The Property & Casualty insurance market for Multifamily is a very challenging segment due to the unpredictable nature of its occupancy - it is also one of the largest annual expenses for Multifamily operators and owners. The structure of your insurance program and experience of your insurance broker can dramatically influence your total cost of risk over time. Buying insurance is only one piece of your overall risk management program – we can help take it to a new level.

At Stern Risk Partners, we understand the insurance marketplace for Multifamily is constantly changing and evolving. We have extensive experience structuring and negotiating insurance placements for Multifamily risks. We maintain relationships with all the important insurance carriers in what is a very limited marketplace. It is extremely important to differentiate yourself from the traditional stigma of Multifamily and be viewed as a quality Real Estate risk.