Insurance for Real Estate Professionals

ElmSure if an Insurtech Agency servicing the needs of Lenders and Borrowers alike.  Using access to several real estate programs created by the Berkshire Hathaway Group of Insurance, we can easily fulfill the insurance needs of our clients. Whether you have one property or hundreds, easily protect your investments with ElmSure.

We can provide insurance for:

  • Vacant Properties
  • Tenant Occupied Properties
  • Ground Up Construction
  • Property Conversions
  • Force Place
  • Real Estate Owned (REO)

Property types we insure:

  • Single Family Residence
  • Condominium
  • 2-4 Units Residential
  • Multifamily 5+ Units
  • Retail
  • Office
  • Portfolio of Properties

Additional Coverage

  • Detached structures (garages, sheds, etc.)
  • Loss of rental income
  • Equipment breakdown – boiler & cooling systems
  • Theft of building materials
  • Portfolio of properties on a master policy
  • Force placed and REO properties
  • Flood insurance

Integrate & Automate with InsureTech

We offer automated property insurance quotes to save you time and money.

  • API integration
  • Streamlined process
  • Responsiveness
  • Expertise
  • Speed

Our API connects to the Lender & Borrower on one side and to BiBerk on the other side, allowing for a streamlined quote process.

Easy 3-Step Process to Getting Insured

Step 1
Lender sends us information about borrower and property

Step 2
ElmSure polls BiBerk (preferred carrier)

Step 3
ElmSure presents quotes to Lender and Borrower


ElmSure is a New York City based real estate insurance agency providing clients nationwide with coverage. ElmSure is underwritten by member insurance companies of the Berkshire Hathaway Group of Insurance Companies. You can be confident the property insurance you purchase through ElmSure will protect you against financial loss should the need arise.

We cater our insurance quotes to the loan requirements of the lender and seamlessly integrate into the loan process.

The insurance agency you partner with can make all the difference. Sure there are other agencies that can cover real estate investments like single family rentals but ElmSure is doing what others aren’t.

Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states.

Home Office: 645 Madison Avenue, New York, NY.
ElmSure is a subsidiary of Roc Capital.

Elmsure’s State Insurance Broker Licenses

Alabama               3000424490

Alaska                   0100168727

Arizona                 3000424596

Arkansas               3000424538

California              0M72415

Colorado              588100

Connecticut         2610744

Delaware              3000424540

DC                        3000424526

Florida                  202719

Georgia                202719

Hawaii                  482734

Idaho                    69170

Illinois                   3000428042

Indiana                 3391260

Iowa                     1002329953

Kansas                  18871706

Kentucky              1018816

Louisiana              785294

Maine                   AGN320750

Maryland              3000424545

Massachusetts     2077642

Michigan              0117661

Minnesota            40606357

Mississippi           15034587

Missouri               8460702

Montana              3000424554

Nebraska             100300966

Nevada                3390862

New Hampshire  2419519

New Jersey         1688130

New Mexico        3000431195

New York             1526520

North Carolina    1000610799

North Dakota      3000424578

Ohio                     1219074

Oklahoma            3000433095

Oregon                3000431369

Pennsylvania        876786

South Carolina    3000424595

South Dakota      10021031

Tennessee            2421509

Texas                    2358604

Utah                      697225

Vermont               3390987

Virginia                 144865

Washington         1001574

West Virginia       100286703

Wisconsin            3000424569

Wyoming             384423



NY Insurance Broker Lic. BR1526520

Year Established


Office Locations

645 Madison Avenue, 19th Floor, New York, NY 10022


  • Insurance

Real Estate Sectors

  • Residential Investment Real Estate
  • Commercial Real Estate
  • Private Mortgage Lending

Customer Types

  • Private Mortgage Lenders
  • Commercial Property Investors
  • Residential Property Investors

Garry Smalley

Vice President of Insurance