01
Portfolio overview
Every development, support site and coverage program on one page. Conversion status, units, TIV and a map of the authority — so leadership is not assembling the book from three systems before a board meeting or a renewal.
Portfolio Risk Hub
The book of the authority,
in one place.
A dedicated space for portfolio management and risk management. Developments, buildings, vehicles, coverage, losses and renewals as one record — so the people who own the risk are looking at the same book.
- Statement of values
- Auto fleet
- Losses
- Coverage & renewals
Why this exists
Portfolio management and risk management need a dedicated space
A housing authority’s insurance program is not a once-a-year binder. TIV moves when a roof is replaced or a building is reappraised. Vehicles roll on and off the master. Claims land on an AMP that is still ACC, or on a converted LP, or on the authority itself. A conversion pulls an AMP off the master and leaves auto, workers compensation and public officials behind. Renewals have to price all of that — not last year’s schedule.
Today that work is usually scattered: the statement of values in a spreadsheet, the fleet in a garage log, losses in a carrier run, coverage in a policy PDF, renewals in email. Each is reasonable alone. None of them is the book.
Portfolio Risk Hub is the owner-side workspace for that book. It is built for the people who manage the portfolio and the people who manage the risk — development, asset management, finance, and the advisor sitting with them — so there is one place to see what is insured, what changed, what it cost, and what is coming due.
What's inside
The whole book, not a folder of files
Every module is the same portfolio. An edit on a building is visible to coverage, to losses, and to the next renewal. Nothing is a sidecar.
02
Developments and locations
Converted RAD and LIHTC, the live conversion, the RAD pipeline still on ACC, unconverted public housing, and authority sites. Each AMP carries occupancy, flood zone, CAT, named insured and the program it sits on.
03
Statement of values
Building, contents and loss of rents that make up TIV, plus COPE on every structure: construction class, square footage, stories, sprinkler type, smoke and central alarm, roof year, PPC, hydrant and flood. Developments collapse for a readable schedule. Upload a CSV, edit a building, or delete it — and keep the history.
04
Auto fleet
The vehicles that never leave the authority master, even after an AMP converts. Add, change or remove units. Liability and physical-damage rates sit on each vehicle and roll up by class. Uploads and edits write to the same change log as the SOV.
05
Coverage and rates
Four programs, one authority: the master, each converted project, and construction. Every line has a premium and a rate — property in dollars per $100 of TIV, auto per vehicle, WC per $100 of payroll. Portfolio composite and program rates sit next to the schedule.
06
Losses
Claims cut by conversion, by development and by the housing authority itself. Auto, WC, crime and EPL stay on the master after an AMP converts — the Hub does not let those lines disappear into a project program they never joined.
07
Premium and renewals
Historical annual premium against the exposure that was actually in force — TIV on the master versus project versus construction, occupied units, staff and fleet. Rate per $100 of TIV, year by year, so the next renewal is an argument from the book, not from last year’s binder.
08
Change tracking
A dated log of every add, update, delete and upload on buildings and vehicles. When a roof is replaced, a dump is titled, or a schedule is replaced from CSV, the Hub keeps who changed what — the record underwriters and renewals actually use.
Open the example portfolio to walk the schedule, the fleet, the losses and the coverage program as one authority.
See the Hub in useWhy one space
Aggregation is the product
The value is not another dashboard. It is that buildings, vehicles, losses, coverage and renewals finally share a record — so a change in one place is a fact everywhere else.
The same TIV, everywhere
Building coverage, contents and loss of rents feed the schedule, the program rate and the premium history. A value change is not a spreadsheet in one inbox and a different number on the ACORD.
COPE that underwriting can use
Sprinkler type, alarms, roof year and square footage live on the building, not in a separate inspection PDF. When the market asks why the rate moved, the answer is in the same place as the TIV.
Fleet that stays on the master
Converted LPs do not take the auto line. Liability and physical damage per vehicle sit with the unit, so a class mix change is visible before the auto renewal — not after the loss run.
Losses next to the AMP that produced them
Water at Pinecrest, flood at Southside, freeze at Cedar Lane, and authority casualty at Central Office. Filter by conversion or by development. Five years of incurred sit beside five years of premium.
Renewal is a continuation, not a scramble
Master and project expirations, TIV that migrated off ACC, builder’s risk that appeared, occupied units that fell when residents relocated — the Hub already knows what the renewal has to price.
Conversion does not erase the book
When an AMP leaves public housing, you see what left the master and what stayed: auto, workers compensation, public officials, crime and cyber. The portfolio view and the conversion desk share the same developments.
Tracked, not reconstructed
Uploading a statement of values, editing a building’s roof year, adding a dump truck, or taking a spare sedan off the register is not a one-off file. Each action writes a dated change. Losses accumulate against the AMP and the authority. Premium is shown against the TIV that was actually in force that year. When the master renews, you are not rebuilding the book from attachments. You are continuing it.
Added for conversions · Transaction Risk Advisory
You run the transaction.
We run the insurance workstream.
The Hub is the book of the authority. When an AMP converts — RAD, 9% LIHTC, mixed-finance — the book is not enough. The transaction itself becomes an insurance project: lender exhibits, investor conditions, builder’s risk, entities, exceptions and a closing date. Transaction Risk Advisory is the conversion workstream that sits on top of the Hub. Owner-side. Fee-based. Independent. It does not replace the broker you already have.
- No broker change required
- Fee-based
- Independent
The moment
Your conversion just became an insurance project
Until the transaction started, insurance renewed once a year and needed very little of your attention. That changes quickly.
1
Different formats, same deadline
Each party sends its own exhibit, guide or checklist — and expects evidence in its own form.
2
No single source of truth
Requirements live across loan documents, investor exhibits, construction contracts and checklists.
3
Conflicts you cannot see yet
Each requirement is reasonable alone. The problems appear only when they are read side by side.
4
Everything else is also due
Financing, tax credits, legal, construction, syndication and entity work are all live at once.
Insurance conditions start arriving from
- Permanent lender
- Construction lender
- Investor / syndicator
- Counsel
- Contractor
- HFA
- Property manager
Somebody has to coordinate this workstream. On many transactions, responsibility is spread across multiple parties. The owner does not need another broker. They need someone to own the insurance workstream.
The hidden cost
What this currently costs your team
The insurance workstream rarely appears as a line item. It is absorbed by people whose time is needed elsewhere.
01
Senior staff time
Your CFO, development staff, asset manager and counsel trading dozens of emails on requirements, certificates, entity names, deductibles, flood, builder's risk and endorsements.
02
Late discovery
Insurance items surface near closing, after the financial, legal and construction documents are already moving — when options are narrowest.
03
Rework
Evidence gets reissued because an entity name, clause or role did not match the governing document.
04
Closing risk
An unresolved condition can delay a closing, trigger an extension or create a post-closing covenant you did not intend.
Set against the size of the financing you are closing, the professional fees already committed, and the cost of an extension or a delayed closing.
What we do
We take the insurance workstream off your plate
Portfolio Risk Hub acts as your owner-side insurance advisor for the duration of the transaction — an extension of your development and finance team.
One point of contact
Every party sends insurance questions to us instead of your team.
One organized record
Requirements, evidence, entities, exceptions and deadlines in a single place.
One independent view
An unbiased read on the program being proposed, before you commit.
Workstream A
We organize the transaction
- Requirements extracted and attributed to their source
- Evidence collected, tracked and chased
- Entities, roles and clauses mapped
- Exceptions documented and routed for approval
- Deadlines and approvals managed
- Construction-to-permanent transition coordinated
Workstream B
We protect your economics
- Independent review of the proposed program
- Coverage structure alternatives
- Deductible and retained-risk analysis
- Market and peer context on pricing and limits
- Questions raised on requirements that may be unnecessary
- Options presented for your decision
Without the second workstream, you end up buying whatever combination of coverage every other party asks for.
Your existing broker
This does not replace your broker
You do not need to change brokers, move your program or sign a broker-of-record letter to engage us.
What stays the same
- Your broker keeps your relationship and your placement
- Your program stays where it is
- We request information through you, on your authorization
- We do not approach carriers on your existing program without written authorization
What we add
- A dedicated team running the transaction insurance workstream
- An independent read on the program being proposed
- Market context you are not dependent on one source for
- A documented record of every requirement and decision
The process
A repeatable eight-step workflow
The same disciplined sequence whether you are closing one property or running a development pipeline.
01
Intake
Transaction, entities, parties and current insurance
02
Extract
Insurance language from every document provided
03
Analyze
Current program, gaps, exclusions and economics
04
Benchmark
Coverage, pricing and retention context
05
Evaluate
Program alternatives and market strategy
06
Resolve
Endorsements, evidence and exception requests
07
Approve
Written capital-party response or approval
08
Service
Post-close covenants and renewal planning
Deliverables
What you receive — built for you, your counsel, your lender and your investor
1
Executive status dashboard
Open, approved and post-closing items at a glance.
2
Source-attributed requirement matrix
Every condition with its source, status, owner and resolution path.
3
Entity and clause schedule
Named insureds, mortgagees, loss payees and additional insureds.
4
Independent program review
Coverage, retentions, pricing and market observations.
5
Evidence package
Certificates, policies, endorsements, carrier letters and paid receipts.
6
Exception and waiver file
Documented approvals and remaining conditions.
7
Construction transition plan
Builder's risk through occupancy to permanent coverage.
8
Post-close calendar
Policy delivery, renewal evidence and expiring approvals.
At the end you keep the record — the foundation for servicing, renewal and your next transaction.
Open the conversion deskWhere this fits
Built for these books and these closings
01
PHA portfolio programs
One view of every AMP, location and coverage line — converted, converting and still public housing.
02
Unconverted public housing
ACC developments still on the authority master — values, flood, CAT and the pool-versus-standalone question.
03
RAD and repositioning
Public-housing assets moving into new ownership, financing and operating structures.
04
LIHTC closings
9% and 4% transactions, investor exhibits, lender conditions and syndicator approvals.
05
Construction, conversion, refinance
Builder's risk through occupancy, permanent conversion, new lender standards and entity changes.
If your transaction is already inside 30 days, the same process runs as a focused closing rescue.
Engagement
Choose the level of support you need
Scoped to your transaction and agreed in writing before any work begins. No broker change and no placement required.
01
Closing Readiness Review
Document intake, requirements matrix, entity map, evidence tracking, open-item log and closing coordination.
02
Full Owner-Side Advisory
Everything above, plus independent program review, coverage observations, exception support, construction transition and executive reporting.
03
Complex Transaction + Market Analysis
Full advisory plus benchmarking, alternative structures, multiple lenders and entities, and complex CAT or flood issues.
04
Portfolio Program
Ongoing support across your development pipeline — requirement libraries, renewal planning and market strategy.
The fee is for the work. It does not depend on placing your insurance, and it is not contingent on any change of broker.
Getting started
Four steps, and we can start this week
1
A short scoping call
Twenty minutes on the portfolio, the transaction, the parties, the timeline and where the pressure is.
2
A written engagement letter
Scope, deliverables, fee and responsibilities agreed before any work begins.
3
Document intake
You send what you have. We tell you what is missing and request the rest through you.
4
First status view within two weeks
A populated book — schedule, fleet, losses — and, if you are converting, a requirement matrix showing exactly where the closing stands.
Open the example portfolio
First the book. Then, if you are converting, the workstream.