Coverage for your commercial buildings.
Property and liability insurance for retail, office and mixed-use buildings, coordinated with the rest of your real estate portfolio.
Building, income and liability coverage.
The building
Property coverage for insured retail, office and mixed-use buildings.
Property on site
Business personal property included with your commercial property coverage.
Commercial rental income
Business income following a covered loss at the insured property.
Premises liability
General liability for covered third-party injury and property-damage claims.
Coverage is subject to policy terms, exclusions, deductibles and underwriting. Your quote confirms the coverage available for your property.
| Need | Building owner review | Tenant business review |
|---|---|---|
| Physical property | Building, owner-provided property and covered causes of loss. | Inventory, equipment, contents and improvements the tenant must insure. |
| Income interruption | Covered rental-income loss, waiting periods and restoration terms. | The tenant's own business-income needs and covered-loss triggers. |
| Liability | Premises exposures and the owner's insured activities. | Business operations, products, professional services and employees. |
| Lease obligations | Insurance requirements, certificates and allocation of repair responsibilities. | Required limits, endorsements and any additional-insured requirements. |
California regulator: commercial property, income and liability
For retail, office and mixed-use properties.
- Retail and neighborhood shopping properties
- Office buildings
- Mixed-use residential and commercial locations
Coverage shaped by your tenant mix.
Tenant use and occupancy help determine the right coverage. Review the mix of businesses, any residential space and how responsibilities are allocated before finalizing the policy.
How to get covered.
Share the building schedule
Start with locations, building details and the tenants or uses at each property.
Coordinate property and liability
Review coverage across the commercial and residential sides of your portfolio.
Confirm the final details
Agree the schedule, deductibles, terms and effective date before binding.
Frequently asked questions
Commercial and residential coverage can be coordinated across a mixed portfolio. The quote confirms the scheduled locations, policies, carriers and renewal dates that apply. Tenant use and occupancy need to be reviewed before the coverage is finalized.
Review coverage for your commercial buildings.
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