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The Combined Real Estate Purchasing Enterprise, Inc. (CREPE) is a Risk Purchasing Group that was formed in 1988 to protect building owners, property managers, and operators.

CREPE is a nationwide umbrella program offering limit options up to $200,000,000 for lessor risk type real estate exposures. SterlingRisk Programs is currently writing more than 350,000 habitational units and 2,000,000,000 commercial square feet.

CREPE specializes in the placement of insurance coverages for habitational (apartments, condominiums, HOA associations & dwellings, and commercial real estate based risk throughout the United States.

Program Highlights

Who Can We Protect?

  • All habitational risks must be under 2,500 units
    • Residential apartments, residential condos, cooperatives, homeowners associations, Townhomes, etc.
  • Commercial square feet must be under 1,000,000
    • Incidental mercantile
    • Office Buildings
    • Shopping centers
    • Light industrial buildings
    • Parking lots

Ineligible Classes:

  • Student housing (losses reviewed for acceptable frequency and severity)


  • Follow form lead / mold
  • Follow form non-profit Directors and Officers (D&O)
  • Personal excess liability availability for principals
  • Follow form garage keepers legal liability
  • Vacant land and single-family dwellings as part of schedule of locations
  • Limits apply separately to each member of the Risk Purchasing Group

What Sets us Apart?

  • A.M. Best A-Rated
  • Online application
  • Dedicated underwriting CREPE Specialists