Commercial Property
Your buildings, ideally on a replacement-cost basis.
For owners and managers of apartments, rentals, and mixed-use property — and the people who live and visit there.
Owners and managers of apartments, rental, and mixed-use property carry liability for everyone who enters the premises, plus the buildings themselves. Habitational risk draws close scrutiny — tenant injuries, fire, water damage, and habitability claims all factor in.
We design property-owner programs that value your buildings correctly, protect your rental income, and address the habitational exposures carriers watch most closely.
Request a coverage reviewThe core protections we typically structure for businesses like yours:
Your buildings, ideally on a replacement-cost basis.
Tenant and visitor injuries on the property.
Rental income protected while a covered loss is repaired.
Higher limits for the elevated liability habitational property carries.
Boilers, HVAC, elevators, and other building systems.
The added cost of rebuilding an older building to current code.
No two operations are identical. If there's a risk specific to your business, we can structure coverage for it.
Talk to an advisorThe details that decide whether a policy actually protects you when it matters:
ACV settlements leave big gaps on older buildings. Confirm how your property is valued before a loss.
Older properties cost more to rebuild to today's code — this coverage pays that difference.
A leading habitational claim. Make sure it isn't limited or excluded.
Habitational policies often restrict assault, abuse, and habitability claims. Understand the carve-outs.
Require renters insurance and additional-insured status to shift risk off your policy.
Coverage can suspend once a unit or building sits vacant beyond a set period.
Commercial property, premises/general liability, loss of rents, equipment breakdown, ordinance or law, and an umbrella are common for apartment, rental, and mixed-use property.
Replacement cost pays to rebuild without deducting depreciation; actual cash value subtracts depreciation, which can leave large gaps on older buildings.
Requiring renters insurance and additional-insured status helps shift tenant-caused losses off the owner's policy.
Tell us about your operation and a specialist will identify your real exposures and structure smart, competitive coverage around them.