Products
Property / Assets
Commercial Property
Commercial property coverage is reviewed when a business owns or leases property, inventory, equipment, tenant improvements, or other physical assets.
Coverage
What it usually handles
- 01Building, contents, inventory, tenant improvements, and business personal property.
- 02Income interruption, equipment breakdown, and location-specific underwriting questions.
- 03Lease, lender, landlord, and property valuation requirements.
Triggers
When it comes up
- 01You lease or own a location with inventory, equipment, or improvements.
- 02A lease or lender asks for property coverage.
- 03A fire, theft, storm, or water loss would materially disrupt operations.
Quote file
Inputs carriers usually need
- 01Location details, property values, construction, protection, and occupancy.
- 02Inventory, equipment, improvements, and business income estimates.
- 03Prior losses, lease terms, and lender or landlord requirements.
Routing
Match the product to the operation
The same product can underwrite differently for a contractor, restaurant, retailer, consultant, or transportation business.
Requirement
Contract, lease, certificate, limit, additional insured, state rule, or lender request.
Operation
Services, locations, payroll, vehicles, tools, property, revenue, and prior losses.
Market fit
Carrier appetite, required forms, exclusions, limits, and supporting coverage lines.