Buildings, contents, stock and the income that stops when something goes wrong — placed with carriers that actually want your asset class.
Commercial property covers physical loss to buildings, contents, stock and improvements — plus the business interruption income that disappears while you rebuild. It's the foundation policy for any business with a physical footprint.
Landlords require property cover on tenant improvements; lenders require it on owned buildings; and any business with stock, equipment or fit-out has assets worth protecting. Property is the foundation policy for any business with a physical footprint.
Property cover pays to repair or replace the physical asset, but business interruption — written as part of property — pays the lost income while you can't operate. The two are placed together because a loss usually triggers both.
Stock and contents are valued and underwritten separately from the building. The schedule of values needs to be accurate or you risk co-insurance penalties at claim time.
Standard property has stripped out FL, CA and coastal exposures in many markets. We go to the E&S property market for CAT-zone risks — where the cover lives now.
Cover for the structure (if you own) or tenant improvements (if you lease) — replacement cost or actual cash value, with appropriate cause-of-loss form.
Contents, furniture, fixtures, equipment, electronics and stock — scheduled with values that reflect actual replacement cost.
Lost income, ongoing payroll and continuing expenses during the period of restoration after a covered loss — sized to your realistic recovery timeline.
The cost of operating from a temporary location, plus contingent BI when a key supplier or customer is the one shut down.
Standard property excludes flood and earthquake by default. Both need separate placement — through NFIP, private flood markets or DIC forms.
Mechanical and electrical failure of equipment is excluded under property — it sits with equipment breakdown (boiler & machinery) coverage, which we place alongside.
Customer property or property you're working on usually needs inland marine or care, custody & control endorsements — not standard property.
Property across multifamily, retail and commercial portfolios — with lender wording matched first time.
See the pageBuildings, plant, stock and finished goods — plus business interruption sized to recovery timeline.
See the pageProperty as part of a BOP, with spoilage, equipment breakdown and BI for kitchen-down events.
See the pageBuilding and crop cover for cultivators, dispensaries and processors — placed in specialty markets.
See the pageProperty and BOP for clinical and dental practices — bundled where it prices well.
See the pageDedicated programme pricing for HUD, LIHTC and Section 8 portfolios.
See the pageMultifamily, manufacturing, retail, restaurant and office all underwrite differently. We submit with the asset-class detail carriers want to see — and shop the markets that actually want your asset class.
Coastal, wildfire and earthquake-exposed property has largely left the admitted market. We work with the E&S property markets writing CAT-zone risk.
An out-of-date schedule of values triggers co-insurance penalties at claim time. We pressure-test your SOV every renewal so you're not underinsured by accident.
HUD's insurance requirements for affordable-housing properties are specific, opinionated, and frequently misread. A clear breakdown of what your schedule needs to show.
Standard carriers have largely exited the affordable-housing property market. Here's where the specialty programmes are pricing in 2026 and what changed since 2024.
Investor and state-housing-agency LIHTC compliance reviews flag insurance gaps that operators routinely miss. Here's what auditors actually pull and where they find issues.
Tell us about the property and how you use it. We'll shop carriers that want your asset class — including E&S markets for CAT-zone exposure.