PortfolioVantage

Turn Tenant Liability Into a

Broader Insurance Strategy

PortfolioVantage helps qualified property owners transform tenant legal liability from a standalone coverage requirement into the foundation of a captive insurance program.

Protect against specified tenant-caused damage, potentially retain underwriting profit and build an insurance strategy that can expand alongside your portfolio.

Schedule a Feasibility Conversation

Download the Brochure

Create more value

Your TLL Program Could Create More Value for Your Organization

Property owners often require tenants or residents to maintain liability coverage for damage they may cause to a building. A conventional program can help satisfy that requirement, but the outside insurer generally retains the underwriting profit when premiums exceed eligible claims and expenses.

PortfolioVantage gives qualified property owners another path. By placing tenant legal liability coverage within a captive insurance company, the organization may retain more of the financial value created by the program while gaining greater control over its insurance strategy.

Protect the Portfolio

Address specified tenant-caused property damage and reduce gaps associated with missing, expired or canceled coverage.

Retain the Opportunity

After eligible claims and program expenses, qualified property owners may retain underwriting profit through a captive they own.

Expand the Protection

Use tenant legal liability as the starting point for evaluating additional property, liability and operational risks.

Tenant liability creates the opening. PortfolioVantage captures the larger opportunity.

How PortfolioVantage works

From Tenant Liability to a Broader Captive Strategy

1

STEP 1

Protect Against Tenant-Caused Damage

Tenants or residents participate in a waiver program that provides coverage for specified damage they cause to the property. The program can help address liability requirements while reducing gaps caused by missing or lapsed policies.

2

STEP 2

Retain the Underwriting Opportunity

Premium flows into a captive insurance company established for the participating property organization. After eligible claims and program expenses, the captive may retain underwriting profit that would otherwise remain with an outside insurer.

3

STEP 3

Build a Broader Risk Strategy

As the captive develops, CIC Services can help evaluate additional coverages that align with the organization’s risks, existing insurance program and long-term financial objectives.

ePremium technology

Technology Built for Portfolio-Wide Administration

PortfolioVantage uses ePremium technology to support tenant legal liability enrollment, compliance and coverage monitoring across participating properties.

The platform helps property teams track resident participation, identify missing or lapsed coverage and maintain visibility across the portfolio without relying on manual policy reviews. Integration with property management systems also helps the program operate consistently as property counts, unit counts and resident populations grow.

Technology and Captive Expertise Working Together

ePremium provides the infrastructure to administer the TLL program across the portfolio. CIC Services provides the captive strategy, formation, compliance and long-term management behind it.

Together, these capabilities allow property owners to pursue an opportunity that extends beyond tenant liability coverage.

Potential expansion

Build a Broader Strategy Around Your Organization’s Risks

Tenant legal liability can provide the starting point for the captive. As the program develops, CIC Services can evaluate whether additional qualified risks may be appropriate to finance through it.

Property

Selected property risks or retained deductibles.

General Liability

Qualified liability exposures or layers.

Equipment Breakdown

Losses involving critical building systems and equipment.

Cyber Liability

Cyber events and technology-related losses.

Crime and Employee Dishonesty

Selected theft, fraud and dishonesty exposures.

Employment Practices Liability

Qualified employment-related risks.

Professional Liability

Risks arising from property management services.

Environmental Liability

Selected environmental exposures.

Potential coverages depend on the organization’s risks, loss history, existing insurance program, premium potential and captive feasibility.

A typical TLL program ends with liability coverage. PortfolioVantage uses it to build an insurance company.

Feasibility

Is PortfolioVantage Worth Exploring?

PortfolioVantage is designed for qualified owners, operators and managers of multifamily, single-family rental and commercial properties.

Owns, operates or manages a rental property portfolio

Requires tenants or residents to maintain liability coverage

Wants to reduce gaps caused by missing or lapsed coverage

Has additional risks that may benefit from a captive strategy

A captive is not appropriate for every organization. CIC Services begins with a feasibility review of the portfolio, tenant population, potential premium, loss history, current insurance program and long-term objectives.

See What Lies Beyond TLL

Download the brochure for a closer look at how PortfolioVantage works, the role of ePremium technology, potential additional coverages and the differences between PortfolioVantage and a conventional TLL program.

Download the Brochure

Leadership

Meet the PortfolioVantage Team

Bryan Ridgway, ACI

Principal and Chief Operating Officer

Bryan works with clients to structure new captive formations and oversees CIC Services’ client management and administrative services. His background includes public accounting, captive insurance and long-term program management.

Randy Sadler

Principal and Chief Marketing Officer

Randy leads marketing and client empowerment for CIC Services. He is also active in investment real estate, and his partnerships manage more than 400 residential properties, giving him firsthand insight into the needs of property owners.

Your TLL Program Could Be the Beginning of Something Bigger

PortfolioVantage can help qualified property owners protect against tenant-caused damage, potentially retain underwriting profit and build a broader strategy for financing risk.

The first step is determining whether the opportunity is viable for your organization.