Landlord insurance has slowly become a major cost for many operators. After 2020, insurance prices began to rise rapidly, and making a claim became even harder when disaster struck. For many operators, it feels like throwing tens of thousands, if not hundreds of thousands of dollars, into the furnace every year, for a benefit you’ll rarely use. And who stands to profit from it? Insurance companies.
But an overlooked insurance structure is becoming increasingly common among operators, saving them 20% on their premium costs and sometimes even making them a profit on insuring their properties.
Nicolas Lares, CEO of Insur3Tech, worked as an insurance agent for years before ever hearing of “captive insurance” or “risk pooling.” When the small businesses he was tasked with insuring were being priced out so badly they could barely operate, he began building alternative structures, all federally backstopped, but without the middlemen.
Now, Nicolas’s clients are profiting from their insurance investment, getting premiums on average 20% lower, and getting claims paid out in a matter of days, not weeks.
How would your NOI improve if one of your greatest costs became a profit driver?
Insights from today’s episode:
- The “risk pooling” insurance model that drops your insurance cost significantly
- How to get paid to pay your premium (the insurance company actually pays Nicolas’s clients)
- Who can (and should) opt for “captive insurance” instead of the traditional route
- The real reason why your landlord insurance premium is so high (it’s making insurance companies billions)
- How do these alternative providers make money without baking in a profit margin?
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Connect with Nicolas on LinkedIn
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Chapters:
00:00 Insurance Is Broken in 2026
03:40 They’re Making Billions off of Us
06:19 Cutting Out the Middlemen
11:58 The Insurance “Pool” Structure
16:23 Getting Paid to Insure Your Property
19:33 Who Can (and Should) Do This?
26:28 How Do THESE Providers Make Money?
31:15 Work with Nicolas!