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Financing for the Modern Insurance Office

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Updated quarterly, this curated page delivers timely insights tailored to your industry. This quarter, we’re focusing on office buildout and renovation projects for insurance companies. Below, you’ll find insights to support your planning process, along with financing strategies to help bring your workspace vision to life. 

Industry Insights

Featured Industry Insights

Financing for the Modern Insurance Office

The insurance industry is increasing expectations for in-office presence to help rebuild culture and strengthen connection among teams. At the same time, many insurers are reducing their overall real estate footprint and reinvesting those savings into higher-quality, centrally located, amenity-rich workplaces that offer a more engaging employee experience.

Whether relocating, expanding, or addressing deferred maintenance, workplace initiatives often require significant capital as carriers modernize offices to support changing workforce and operational strategies.

Office Investment Trends in the Insurance Industry

With more insurance companies adopting hybrid work models, flexible office layouts are a necessity. Organizations are investing in more collaboration areas, flexible meeting spaces, and quiet focus rooms that support both in-person collaboration and individual productivity.  

Technology infrastructure has become a core component of office planning. High-end A/V systems, room-booking systems, and advanced conference room technology help ensure seamless hybrid collaboration. Many companies are also enhancing network infrastructure to support bandwidth, security, and long-term scalability.

With a renewed focus to attract younger talent amid an anticipated “talent cliff”1, insurance companies are redesigning office environments to better support employee engagement and retention. Investments often include upgraded common areas, hospitality-style reception spaces, wellness rooms, and improved amenities that help attract and retain talent. 

Real estate decisions are increasingly influenced by sustainability and operational performance. Energy-efficient systems, sustainable materials, and smart building technologies are investments that can help reduce operating costs, improve building performance, and support broader sustainability initiatives. 

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Group of colleagues in the office.

Office Investment Trends in the Insurance Industry

With more insurance companies adopting hybrid work models, flexible office layouts are a necessity. Organizations are investing in more collaboration areas, flexible meeting spaces, and quiet focus rooms that support both in-person collaboration and individual productivity.  

Technology infrastructure has become a core component of office planning. High-end A/V systems, room-booking systems, and advanced conference room technology help ensure seamless hybrid collaboration. Many companies are also enhancing network infrastructure to support bandwidth, security, and long-term scalability.

With a renewed focus to attract younger talent amid an anticipated “talent cliff”1, insurance companies are redesigning office environments to better support employee engagement and retention. Investments often include upgraded common areas, hospitality-style reception spaces, wellness rooms, and improved amenities that help attract and retain talent. 

Real estate decisions are increasingly influenced by sustainability and operational performance. Energy-efficient systems, sustainable materials, and smart building technologies are investments that can help reduce operating costs, improve building performance, and support broader sustainability initiatives. 

Fund your project strategically with First American, a preferred lender for the insurance industry.

Financing Solutions Aligned with Your Firm’s Strategy

Insurance leaders are leveraging smart financing strategies to advance workplace modernization and strengthen financial impact.

Protect policyholder surplus

Financing office buildouts can help insurance carriers avoid directly owning non‑admitted assets like furniture, fixtures, and equipment, which would otherwise reduce policyholder surplus under statutory accounting. Structuring these projects as operating leases, where ownership remains with the financing provider, helps minimize surplus impact and support stronger statutory balance-sheet metrics.

Preserve capital for higher-yielding investments

Rather than allocating capital to office improvements, financing allows insurers to preserve funds for higher-return uses such as investment portfolio growth, underwriting expansion, reinsurance strategies, and digital transformation initiatives. 

Greater financial flexibility

By spreading costs into predictable payments, insurers gain greater control and visibility over expenses, strengthening financial planning and reducing the pressure on annual capital budgets.

Financing Solutions Aligned with Your Firm’s Strategy

Insurance leaders are leveraging smart financing strategies to advance workplace modernization and strengthen financial impact.

 

Financial document with dollar symbol and balance scale.

Protect policyholder surplus

Financing office buildouts can help insurance carriers avoid directly owning non‑admitted assets like furniture, fixtures, and equipment, which would otherwise reduce policyholder surplus under statutory accounting. Structuring these projects as operating leases, where ownership remains with the financing provider, helps minimize surplus impact and support stronger statutory balance-sheet metrics.

Money graph

Preserve capital for higher-yielding investments

Rather than allocating capital to office improvements, financing allows insurers to preserve funds for higher-return uses such as investment portfolio growth, underwriting expansion, reinsurance strategies, and digital transformation initiatives. 

Bank building icon with a dollar symbol above.

Greater financial flexibility

By spreading costs into predictable payments, insurers gain greater control and visibility over expenses, strengthening financial planning and reducing the pressure on annual capital budgets.

A Client Centered Approach to Success

Move your office project forward with financing backed by decades of consistent performance.

 

Insurance Industry Specialization

Insurance organizations face unique operational complexities, and our industry alignment supports deeper understanding and problem solving. Our tailored financing solutions help organizations drive growth, improve efficiency, and support long-term success.

Streamlined Support

Office buildouts require careful coordination, and having the right support makes all the difference. Each client works with a dedicated Project Manager who oversees vendor payments, and construction pay applications—helping to create a smooth, stress-free experience. 

Project Expertise

Construction projects depend on timely payments to stay on track, but managing cash flow for deposits and supplier payments can be challenging. Our customized short-term credit facility helps maintain seamless cash flow, prevent delays, and keep projects on schedule. 

Trusted by Leading Insurance Companies

Select an story below to explore office buildout projects we’ve financed.

Join us on the Road!

Looking forward to participating in some upcoming Insurance industry conferences and hope to see you there! 

  • GIS’s 12th Annual Global Insurance Symposium | April 14-15 
  • 2026 IASA Xchange | June 7-9 
  • NAMIC’s Management Conference | June 28-July 1 
  • NAMIC’s 131st Annual Convention | September 27-30
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Commercial Card Program

First American presents City National Bank's Visa® Commercial Card that allows businesses to customize their program to meet their specific needs. Used as a business credit card for everyday expenses or a purchasing card for travel and entertainment, this card program offers convenient buying power along with the ability to easily monitor and manage employee expenses online. 

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Tap into the expertise of one of the country’s largest equipment finance companies.2 Tell me your business needs and we can start exploring funding options today.

1Ben Bailey, “Reimagining Office Portfolio Strategy for the Insurance Industry,” 2025

2Source: 2025 Monitor 100