Commercial Property, priced to your real replacement cost.
Your building, equipment and inventory are the balance sheet. We rate them on total insured value, structure blanket limits across locations, and issue the mortgagee clauses your lender needs to close.
The pieces that make up the policy.
Building & structure
01
Replacement-cost coverage on the building, with agreed-value options that remove coinsurance penalties.
Business personal property
02
Equipment, fixtures, stock and tenant improvements scheduled at what they actually cost to replace.
Business interruption
03
Lost income and continuing expense when a covered loss shuts you down, built on real P&L numbers.
Equipment breakdown
04
Mechanical, electrical and boiler failure that a standard property form leaves out.
Windstorm & named storm
05
Coastal and Gulf wind deductibles modeled against the replacement cost of each asset.
Built for operators who can’t absorb the hit.
Building owners
Tenants with improvements
Anyone with a lender
Inventory-heavy operations
Not sure it applies to you? Send us your operation and we’ll tell you straight whether this line belongs in your program.
Where this line earns its keep.
01
A fire closes the floor
Property rebuilds at replacement cost while business interruption covers the income lost until you reopen.
02
A storm peels the roof
A modeled named-storm deductible means you know your exposure before the storm, not after the adjuster arrives.
03
The lender calls before closing
We issue the mortgagee clause and evidence of insurance the day a deal closes, not a week later.
Lines that often sit alongside it.
Commercial Property questions, answered.
Turn your risk into a plan.
Takes less than 8 minutes. We’ll follow up within one business day with options structured around how your business actually runs.
[ NO OBLIGATION ] · [ 48HR AVG. RESPONSE ]