Property & Casualty Architecture
Protecting physical assets with the same discipline used to preserve financial assets.
At RM Legacy Group, we offer access to private-client and commercial insurance solutions through a network of licensed, independent insurance partners nationwide. Our role is to curate, coordinate, and oversee each placement—aligning coverage, carrier selection, and structure with every client’s risk profile, balance sheet, and long-term objectives. From coastal Florida estates to high-rise developments across the country, RM Legacy provides the same precision, transparency, and institutional-level strategy.
Why Clients Engage RM Legacy
- Florida Excellence, National Reach: Deep experience in complex coastal markets—paired with access to carriers and underwriting partners in all 50 states.
- Transparent Coverage: Every policy is reviewed and explained in plain language—no hidden clauses or fine-print surprises.
- Claims Readiness: Proactive documentation standards and pre-vetted vendors ensure rapid recovery after loss events.
- Portfolio Stewardship: Annual market reviews and renewal audits maintain coverage quality while controlling long-term costs.
All insurance is placed and administered through licensed carriers and partner agencies. RM Legacy provides strategic coordination and oversight.
Who We Serve
Owners of high-value residences and vacation properties nationwide
Families managing multi-state property and vehicle portfolios
Private landlords and real estate investors with diverse holdings
Commercial property owners and operating companies
Real-estate developers and construction sponsors managing large projects across multiple jurisdictions
Corporations, family offices, and investment groups requiring unified coverage architecture across regions
Program Pillars
High-Value Home & Condo
Coverage options for coastal, inland, and high-net-worth properties—with attention to wind, flood, and ordinance requirements.
Auto & Excess Liability
Personal and corporate vehicle programs with coordinated umbrella protection across multiple states.
Flood & Water Risk
Primary and excess flood programs through NFIP and private markets.
Landlord & Building Owner Coverage
Commercial property and income protection for investment portfolios, including multi-family and mixed-use structures.
Commercial Property & General Liability
Programs for offices, hospitality, retail, and industrial assets—with tailored business-interruption and ordinance coverages.
Large Commercial & Corporate Lines
Insurance architecture for portfolios, manufacturing, logistics, and multi-location operations—layered, structured, and scalable.
Construction & Developer Coverage
We offer specialized insurance solutions for builders, general contractors, and developers, including Builder's Risk, Course of Construction Floaters, OCP Liability
Umbrella & Excess Programs
High-limit excess liability for both personal and commercial risk portfolios.
Workers’ Compensation & Employer’s Liability
Nationwide access to carriers that help manage experience-mods, safety programs, and compliance standards.
What Clients Can Expect
Tailored to Every Scale, Coast to Coast
From Florida waterfronts to downtown high-rises, your program is built around your exact geography, exposures, and financial goals.
Broad Market Access
We work through independent brokers and carriers across the U.S. providing reach into both admitted and surplus-line markets.
Renewal Discipline
Annual stewardship ensures every policy remains aligned with the client’s growth, property changes, and evolving risk landscape.
Our Partners
plus 86 trusted carriers
What Clients Can Expect
Do you only work in Florida?
No—RM Legacy operates nationwide. While we are renowned for our expertise in Florida’s complex market, our partnerships extend across all 50 states.
Do you handle large commercial portfolios and construction projects?
Yes. We support developers, general contractors, and ownership groups in structuring coverage for large-scale builds, multi-phase projects, and corporate portfolios.
Do you manage claims directly?
Claims are filed and adjusted by the carrier. Our partner agency manages coordination, while RM Legacy oversees communication and strategy.
Can you integrate builder’s risk into a larger portfolio?
Yes. We can coordinate project-specific coverage into a master or wrap structure, maintaining consistent limits and insurer continuity nationwide.
The RM Legacy Standard
Clarity • Control • Continuity