Turn property loss history into better lending decisions.

Lender Risk Services works with commercial real estate lenders to identify recurring property and liability risks across collateral, individual loans, and entire portfolios.

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57%Increase in U.S. liability claims attributed to litigation costs over the past decade. Source
$143BU.S. commercial casualty insurance losses in 2023. Source
27U.S. court cases awarded more than $100 million in 2023. Source

A clearer view of the risk behind the loan.

Traditional property reviews provide a view at a point in time. Historical claims can reveal what repeatedly goes wrong after closing, where severe losses concentrate, and which operating conditions may increase exposure. Lender Risk Services helps lenders bring those patterns into portfolio and asset-level risk discussions.

01 / REVIEW

Start with the portfolio

Review property and liability loss experience across collateral to identify concentrations, recurring claim types, and assets that may warrant closer attention.

02 / CONNECT

Work with the parties closest to the risk

Collaborate with the lender, owner, third-party administrator, and claims specialists to better understand the conditions behind the loss history.

03 / RESPOND

Set practical mitigation priorities

Help lenders frame focused conversations around prevention, documentation, and risk improvement without taking over the roles of the owner or existing specialists.

Working to prevent the conditions behind nuclear verdicts.

Nuclear verdicts can turn a single liability event into a loss of extraordinary severity. While no process can eliminate litigation risk, earlier attention to recurring incidents, neglected conditions, operating practices, and incomplete documentation may help reduce the likelihood and potential severity of future claims.

Premises liabilityPeople
Water and fire lossProperty
Habitability claimsOperations
Slip-and-fall incidentsLiability
Negligent securitySafety
Catastrophic verdict exposureSeverity

Built around the lender’s view of the portfolio.

Lender Risk Services gives lenders an independent way to examine loss experience while working with the owners, TPAs, claims professionals, and other specialists already managing the underlying risk.

See patterns across collateral

Move beyond isolated claim files to understand where frequency, severity, and recurring conditions may be accumulating across the portfolio.

Ask better risk questions

Use actual loss experience to guide discussions with borrowers, operators, servicers, and the specialists closest to each asset.

Support ongoing oversight

Translate historical claims into practical priorities that can inform monitoring, mitigation discussions, and future lending decisions.

Start with the portfolio’s loss history.

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