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Military housing insurance solutions

Military housing is a complex sector, presenting a unique set of risks that require tailored insurance solutions.

Identify

Evaluate evolving and emerging risks in the military housing landscape.

Mitigate

Implement risk mitigation measures to manage risks and protect your tenants and assets.

Customize

Develop insurance programs precisely aligned with your unique risk profile to reduce potential coverage gaps.

Privatized military housing operators play a vital role in supporting the wellbeing of service members and their families. But these providers may face numerous challenges in maintaining properties across the US, including health and safety risks from environmental exposures like mold and asbestos, as well as potentially heightened risk of property damage from natural catastrophes.

Additionally, they may contend with financial vulnerabilities: more frequent outsized jury verdicts are arising from tenant legal actions and fluctuations in the base allowance for housing (BAH) set by the Department of Defense (DOD) as a result of changes in the housing market and economic conditions.

Moreover, these companies must comply with complex regulatory requirements from both the DOD and military branches. Cumulatively, these risks highlight the unique challenges military housing providers face in safely housing service members and their families. Traditional insurance coverage may fall short in addressing these specific risks, leaving companies exposed to potential claims and liabilities.

Tailored insurance solutions, specific to military housing

The military housing landscape comes with unique concerns and considerations that must be accounted for in risk management and insurance strategies. Marsh’s Real Estate Practice understands these nuances and has specialized experience helping providers address a wide range of challenges, including:

  • Property damage: Coverage for damages caused by natural disasters, rental income vandalism, or other unforeseen events.
  • Environmental exposures: Coverage for risks related to hazardous materials, such as asbestos or lead, that may be present in older military housing or due to proximity to vehicles or equipment. This can lead to third-party bodily injury claims from mold or water damage, such as leaking pipes or impacts from heavy rainfall or weather events.
  • Liability claims: Protection against third-party claims arising from accidents or injuries on your properties. 

How Marsh can help

Leveraging our decades of experience and extensive industry expertise, we can provide you with:

  • Expert risk assessment: We conduct thorough risk assessments to help identify potential vulnerabilities in your operations and tailor coverage accordingly.
  • Data analytics: We integrate data analytics into our risk management strategies, empowering you to make more informed decisions that can protect your tenants and assets. 
  • Comprehensive coverage: We customize solutions with the goal of covering a wide range of risks as well as the individual needs of your business, including property damage, liability claims, and environmental hazards.
  • Dedicated support: Our team of specialists is available to provide ongoing support and guidance, providing you with resources to help navigate complex insurance landscapes. 
  • A proactive approach to risk management: We work closely with you to develop risk mitigation plans that can help reduce exposure to claims and liabilities. By identifying potential risks before they escalate, we empower you to make more informed decisions that can better protect your assets and potentially enhance operational efficiency. 

Our solutions

Discover how the following solutions can help you navigate complex risks, make more informed, data-driven decisions, and secure coverage tailored to your unique risk profile and needs.
selected option

Fast Track is a first-of-its-kind global insurance solution that simplifies and speeds up access to additional insurance capacity. Learn more.

ART solutions can provide coverage for risks that are conventionally hard to place and enhance an organization’s risk management capabilities. Learn more.

Blue[i] is Marsh’s next-generation analytics suite of digital solutions that delivers our industry-leading data and actionable insights through an intuitive, interactive, and engaging platform, allowing you to make critical business decisions with confidence. Learn more.

Your partner in military housing insurance

Choosing Marsh means partnering with a leader in the insurance industry that understands the unique challenges you face. We can help you navigate these complexities with greater confidence in your effort to pave the way for safer, more secure environments for those who serve our country.

Why Marsh

At Marsh, we understand the unique landscape of military housing and the associated risks. Our insurance solutions are tailored to provide comprehensive coverage spanning everything from third-party claims, property damage, and environmental exposures depending on our clients’ unique circumstances. We leverage our extensive industry expertise and data-driven insights to create customized insurance programs that meet your specific needs.

Our people

Placeholder Image

Duncan Ellis

US & Canada Industry Practice Leader, Real Estate & Hospitality

  • United States

Roger Schenone

Roger Schenone

Managing Director, Global Engagement Partner, Real Estate

  • United States

James Murphy

James Murphy

Senior Vice President, US Property Practice

  • United States

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