If you perform poorly on this assessment, you are vulnerable to costly disputes, insurance challenges, financing obstacles, contractor conflicts, and other preventable problems—if you haven't experienced these issues already. Left unaddressed, these issues will drain resources, reduce profitability, and weaken the performance of your real estate investments. Let us know how you score

Construction Site Injury

Someone is injured while working on one of your active construction projects.

Could you immediately produce a contract requiring the responsible contractor to maintain insurance, name you as an additional insured, and assume responsibility for site safety?

☐ Yes ☐ No

Contractor Employee Injury

A contractor's employee suffers a serious injury while working at one of your properties.

Could you immediately verify workers' compensation coverage existed on the date of the incident?

☐ Yes ☐ No

Adjacent Property Damage

Your contractor accidentally damages a neighboring property during construction.

Could you immediately determine whether your contract requires the contractor to indemnify you and maintain insurance for that type of loss?

☐ Yes ☐ No

Contractor Payment Dispute

A contractor disputes the amount they are owed and threatens legal action.

Could you immediately produce a written contract, scope of work, payment history, and signed change orders?

☐ Yes ☐ No

Maintenance Neglect Claim

A tenant alleges repeated maintenance requests were ignored and later files a claim.

Could you produce documentation showing when the issue was reported and how it was addressed?

☐ Yes ☐ No

Slip and Fall Incident

A tenant or visitor slips and falls on your property.

Could you identify who was contractually responsible for maintaining the area where the incident occurred?

☐ Yes ☐ No

Fair Housing Complaint

A Fair Housing complaint is filed against you.

Could you document the legitimate business reasons supporting your decisions?

☐ Yes ☐ No

Insurance Renewal Review

Your insurance carrier reviews your claims history at renewal and proposes a significant premium increase.

Do you understand the importance of maintaining a clean loss run history, and is preserving that loss history a consideration in your day-to-day operations?

☐ Yes ☐ No

Largest Liability Exposure

A major claim occurs that exceeds your expectations.

Do you know the single largest liability exposure affecting your portfolio today?

☐ Yes ☐ No

Insurance Coverage Gap

A claim is reported and coverage is questioned.

Do you understand the major exclusions contained within your current insurance policies?

☐ Yes ☐ No

Serious Property Incident

A serious incident occurs at one of your properties.

Do you have a documented procedure identifying the steps that should be taken during the first 24 hours to protect your legal and insurance interests?

☐ Yes ☐ No

Contractor Insurance Verification

A contractor causes a loss and responsibility becomes disputed.

Could you immediately locate certificates of insurance and additional insured endorsements for contractor's contractor?

☐ Yes ☐ No

Property Manager Professional Liability & General Liability Coverage

Your property manager makes a costly error that causes financial harm.

Have you verified that your property manager carries Errors & Omissions insurance and GL Insurance Coverage?

☐ Yes ☐ No

Misappropriation of Tenant Funds

Your property manager mishandles tenant funds.

Could you identify the contractual protections available to you?

☐ Yes ☐ No

Ignored Safety Hazard

A known safety issue is not addressed and someone is injured.

Could you determine whether responsibility rests with you, the property manager, or both?

☐ Yes ☐ No

Lawsuit Filed

You receive a lawsuit arising from one of your properties.

Could you determine whether another party has a contractual obligation to defend, indemnify, or insure you against the claim?

☐ Yes ☐ No

Lender Request

A lender requests updated financial, operational, and property records.

Could you provide organized documentation without significant delay?

☐ Yes ☐ No

Judgment Against Property Owner

A judgment is entered against the owner of one of your properties.

Do you understand how that judgment could affect your ability to refinance, sell, or otherwise transfer the property?

☐ Yes ☐ No

Entity Structure Review

A lender, attorney, or insurance professional asks you to explain your ownership structure.

Could you explain why each LLC, entity, trust, or ownership structure you use exists and what specific risk it is intended to reduce?

☐ Yes ☐ No

Asset Protection Strategy

You review the money spent on asset protection structures and related maintenance costs.

Have you evaluated whether your current asset protection strategy addresses the risks most likely to result in a claim or judgment related to operating and owning real estate?

☐ Yes ☐ No