Turning uncertainty into confidence.

It protects the physical side of your business, buildings, equipment, inventory and tenant improvements, against covered losses like fire, theft, vandalism and many weather events. It pays to repair or replace damaged property and can include the business income you lose while you recover.

No. Flood is excluded from virtually every standard commercial property policy. It has to be written separately, through the NFIP or a private flood market, which we arrange for any location in or near a flood zone.

Premium is driven by your total insured value (the replacement cost of the property), construction type, occupancy, location and loss history, plus the limits and deductibles you choose. We rate on TIV rather than guesswork, so you're neither over- nor under-insured.

Blanket coverage pools one limit across multiple buildings or locations instead of capping each separately. If a single property suffers a larger-than-expected loss, the full blanket limit is available, useful for portfolios with several sites.

Renovations change your risk and usually your values. We add builders risk or a course-of-construction endorsement for the project and update the property schedule so the finished improvements are insured to their new replacement cost.

Property covers external perils, fire, storm, theft. Equipment breakdown covers internal failure, electrical, mechanical or boiler breakdown of the systems your operation depends on. Most businesses need both, and we place them together.

Typically a property schedule with values and construction details, your current declarations page, a few years of loss runs, and the basics of your operations. Send what you have, we'll tell you exactly what's missing.