Commercial Property

Commercial Property program that offers building coverage along with business personal property.

Documents Needed to Quote:
– Acord 125
– Acord 140

Our Commercial Property Program is designed to protect buildings and business personal property with broad, competitive coverage options. This program is ideal for agents and brokers looking to place clean, low-to-moderate hazard property accounts quickly and efficiently.

Documents Required for a Quote

To get started, please provide the following:

  • ACORD 125 – Commercial Insurance Application
  • ACORD 140 – Property Section

Available Coverages

Our program delivers strong protection with key enhancements:

  • 90% Coinsurance
  • Special Form Coverage (broad property protection)
  • Business Interruption automatically included
  • Optional Theft Sublimit of $25,000 (requires central station alarm)

Key Exclusions

This program does not provide the following:

  • General Liability coverage
  • Earthquake or Flood protection

Eligible Property Types

We specialize in insuring a wide range of commercial property classes, including:

  • Office Buildings
  • Retail Properties
  • Mixed-Use LRO (Lessor’s Risk Only)
  • Educational Facilities
  • Medical Buildings
  • Low Hazard Warehouses
  • Condominiums
  • Government Buildings
  • Distribution Centers
  • Light Manufacturing

Ineligible Property Types

Certain higher-risk classes fall outside the scope of this program, such as:

  • Medium to Heavy Manufacturing
  • Hotels & Motels
  • Restaurants and Food Service Risks
  • Apartment Buildings / Multi-Family Housing
  • Any risk classified as Protection Class 7 or higher
  • Properties built before 1970 (unless fully modernized within the last 20 years)

Why Place Business Here?

This Commercial Property Insurance Program offers a streamlined underwriting process, strong coverage options, and quick turnaround for standard classes of business. By focusing on eligible, low-hazard risks, we help agents secure competitive quotes with fewer underwriting obstacles.

Exclusions
Exclusions include the following:
– Liability is not included
– Earthquake/Flood

Eligible Property
• Offices
• Retail
• Mixed use LRO
• Educational
• Medical Facilities
• Warehouses (Low Hazard Occupancy)
• Condominiums
• Government Buildings
• Distribution
• Light Manufacturing

Excluded Property
• Mid-Heavy Manufacturing
• Hotels/Motels
• Restaurants
• Apartments
• Any Risks PC 7 or greater
• Any risk built prior to 1970 unless fully upgraded within the last 20 years.