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Owning a building — whether apartments, mixed-use, or commercial rental property — is a significant investment. But it also involves constant risks that can directly affect your income. A fire, structural damage, tenant liability claim, or a single major lawsuit can halt your cash flow. Most lenders require comprehensive property coverage as a loan condition.
What's Covered?
A clear breakdown of every protection layer included in your policy.
Building Property (Special Form)
Open-peril coverage for the building structure, attached fixtures, and permanent installations against everything not specifically excluded.
Business Personal Property
Covers landlord-owned equipment in common areas — lobby furniture, laundry equipment, maintenance tools, and supplies.
Premises Liability
Protects you when tenants, guests, or contractors are injured on the property or sue over a building-related issue.
Loss of Rental Income
If a covered event makes units unrentable, replaces the rental income you would have collected during repairs — typically up to 12 months.
Common Endorsements
Closing the gaps in standard property policies.
Not All Buildings Have the Same Risk
Carriers evaluate building age, construction class, occupancy mix, sprinkler systems, roof condition, and prior loss history. Older buildings with mixed commercial and residential tenants are underwritten very differently from newer single-use properties — and a generic policy can leave you significantly exposed.
Our Approach
We understand this is a business. We analyze your property as an investment.
Analyze as an investment
Evaluate real risks
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what matters most?
As an independent agency, we compare multiple carriers to find the best coverage for your needs.