Real Estate

Protecting affordable housing.

Specialized insurance and risk management for the owners, developers, and operators building and preserving affordable communities — so when the future arrives, you’re ready.

100% Employee-owned

Aligned with your long-term interests—never a one-time transaction.

Multifamily specialists

A dedicated real estate practice fluent in multifamily and affordable housing.

Compliance-Fluent

We speak LIHTC, HUD, Section 8, lender and investor requirements.

A Resourceful Partnership

Affordable housing carries risk most brokers don’t see. Aging and rehabilitated stock, regulatory agreements, lender and investor mandates, tenant-related exposures, and a hard multifamily market all converge on a single deal. IMA helps you see around corners — pairing our risk profile with deep program knowledge to protect your assets, satisfy your covenants, and lower your total cost of risk.

Property

Replacement-cost valuation, ordinance or law, and equipment breakdown — with custom IMA policy forms for tax credit recapture

General & Excess Liability

Multifamily GL with assault & battery and abuse/molestation considerations, layered to meet HAP-contract and lender limit requirements.

Builder’s Risk & Course of Construction

New development, substantial rehab, and Year-15 recapitalizations — including soft costs and delay (DSU/ALOP).

Management & Executive Liability Liability

D&O for nonprofit sponsors, GP/LP entities, and boards; EPL, fiduciary, and crime to protect reserves and HAP funds.

Environmental & Pollution

Lead, mold, and asbestos exposures in legacy and rehab portfolios, plus site pollution liability.

Tenant Discrimination & Fair Housing

Defense for FHA, source-of-income, and related claims that multifamily owners increasingly face.

Cyber & Workers’ Compensation

Protection for resident data and payment systems, and coverage for on-site management and maintenance staff.

Surety Bonds

Guarantee the performance, payment, and compliance of affordable projects – providing financial assurance to public agencies, investors, and developers.

Who We Serve

  • LIHTC owners & syndicators
  • HUD / Section 8 operators
  • Public housing authorities
  • Nonprofit & mission-driven sponsors
  • Preservation & rehab projects
  • 4% & 9% credit deals
  • Working class communities

Why IMA

Specialists, Not Generalists

A focused multifamily team that knows affordable housing structures cold.

Built-in Compliance

Contract review and certificate compliance to satisfy lenders and investors.

IMA Risk Profile

We leverage all the things you do well as an operator to tell the best story to the insurance market. With the options already thin, our process is paramount in reaching the best possible outcome.

Advocacy When it Counts

Dedicated claims advocacy from first notice through resolution.

250,000+

AFFORDABLE UNITS INSURED

$10 Billion

IN ANNUAL PREMIUMS

2,900+

DEDICATED ASSOCIATES

50+ YEARS

EMPLOYEE-OWNED

96%

CLIENT RETENTION RATE