By: Joshua Finley
In real estate, navigating insurance policies can be daunting, especially for owners and property managers of large-scale properties like apartments, commercial real estate, and cooperatives. Meet Tim O’Rourke, a seasoned expert with a wealth of experience in underwriting, insuring, and investing in large real estate risks.
With many years in the insurance space, Tim O’Rourke had a clear vision of the challenges faced by investors and fund managers when it came to insurance. Reflecting on his journey, Tim says, “I wanted to be the decision-maker if a decision was made that affected my family.” This desire for autonomy and control led him to co-found Cap Asset Risk Management alongside Herb Dorow.
Filling a Void with Cap Asset Risk Management
Cap Asset Risk Management was born out of frustration with the existing insurance landscape for real estate investors. Tim and Herb observed a significant gap: investors were either the largest client for local agents or lost in the shuffle at large brokerage houses. Tim notes, “We were tired of being a client that needed a hands-on approach of a local agent but also the expertise of a large broker and not being able to find that.”
Their goal was clear: provide unparalleled insurance expertise and risk mitigation while adding value to clients’ investments or fund businesses. “We want partners, not clients,” Tim emphasized, highlighting their commitment to building long-lasting relationships based on trust and mutual growth.
Empowering Investors Nationwide
Since its inception, Cap Asset Risk Management has rapidly expanded its footprint. Tim and Herb’s dedication to providing specialized services for multifamily and commercial real estate has resonated with clients across the United States. They understand the unique language of real estate investment and leverage their experience to tailor insurance solutions that align with clients’ financial goals.
“We’re really trying to build a powerful ecosystem with insurance agents, top-performing lawyers, and other industry professionals,” Tim explains. Their approach goes beyond insurance, aiming to connect clients and facilitate mutually beneficial relationships. As an investor himself, Tim brings a unique perspective, ensuring that clients receive the right coverage and strategic advice aligned with their investment objectives.
A Focus on Expertise and Service
At Cap Asset Risk Management, expertise and service are paramount. Tim prioritizes understanding the intricacies of each client’s insurance policies, delving into every detail to provide tailored solutions. “The first thing I ask for is a copy of the entire policy,” Tim emphasizes. This thorough approach ensures that clients receive comprehensive coverage without compromising on critical details.
Moreover, Tim’s deep understanding of underwriting and his ability to negotiate with underwriters set him apart. “We tell our client’s story to the underwriters to get discounts or explain different scenarios,” Tim notes.
Expanding Horizons
As Cap Asset Risk Management continues to grow, the founders have ambitious plans for the future. With a second office in Dallas and a growing network of clients nationwide, they’re focused on building a powerful ecosystem that empowers real estate investors. From hosting client retreats to fostering strategic connections, Tim and Herb are committed to adding value at every turn.
To learn more about Tim and Herb’s vision and to connect with them, visit Cap Asset Risk Management’s official website at
Published by: Martin De Juan
