San Francisco · Commercial property insurance
Commercial insurance for the buildings you own.
We shop insurance for property owners and managers. We assess the building values and rental income, take the account to market, and explain the coverage behind each quote.
Clients whose insurance we have handled
We check what changed before shopping the renewal.
We work through changes at your buildings and update the submission before requesting terms. That gives the insurance market a current account of the property.
A different use of space
We describe tenant use, vacant areas, and renovation work when seeking property cover.
A different cost to rebuild
We check the basis of your building values and account for completed improvements in the submission.
A different responsibility
We examine changes to ownership or financing and check the interests described in the proposed insurance.
Cover the building and the income it earns.
We compare physical damage and rental-income terms, then check how the umbrella policy sits above your underlying liability cover.
Choose a policy to read about
Commercial property insurance
We seek building cover using the stated rebuilding values and explain the valuation conditions behind each proposal.
- Replacement cost or actual cash value, and the supporting valuation date
- Building schedule, ownership entity, and lender wording
- Coinsurance conditions and any agreed-value provision
- Ordinance or law terms, including demolition and increased construction cost
- Water, flood, and earth-movement exclusions or separate arrangements
Business interruption insurance
We compare rental-income cover with the income at risk and explain when payments can begin and end.
- Rental-value treatment and the income worksheet behind the limit
- Covered damage trigger and waiting period
- Period of restoration and any extended income provision
- Extra-expense wording and separate sublimits
- Ordinary vacancy or unpaid rent distinguished from insured interruption
Commercial umbrella insurance
We seek additional liability limits and check the underlying policy schedule, insured entities, and umbrella exclusions.
- Underlying policy names, periods, and required limits
- Named insureds and insured locations across the layers
- Follow-form language and umbrella-specific exclusions
- Retained limits and any self-insured retention
- Lease or lender requirements compared with actual policy wording
We take your property account through the market.
We prepare the submission and handle the follow-up. You receive a comparison of the proposals with our recommendation and the reasons behind it.
We prepare the property submission
We work through your buildings and ownership structure, then assemble the information needed to seek property insurance terms.
We shop the insurance market
We request proposals based on the current account and handle the market follow-up on values, occupancy, and insurance requirements.
We recommend with the wording in view
We explain the differences in building and rental-income terms, check the umbrella conditions, and recommend an option with the price and exclusions clearly stated.
Let us shop your property insurance.
Tell us about your buildings and the date you need to make a decision. We will help assemble the account and seek terms.
Insurance for ownership and management.
We examine the cover each role needs, from the owner’s building and rental income to the manager’s responsibilities under the agreement.
We read the policy behind the certificate.
We check the forms and endorsements against the insurance provisions in your leases and loan documents. If the proposed terms leave a requirement unresolved, we explain it and follow up for an answer.
What we establish before seeking terms
- Ownership
- We identify the owner of each insured building.
- Occupancy
- We describe the occupied and vacant areas accurately.
- Timing
- We account for the renewal and transaction dates.
Each building gets a current insurance description.
A San Francisco property portfolio can include an occupied building and another with a vacant floor or renovation underway. We describe each location separately when requesting insurance. We then check vacancy and construction conditions in the proposed terms, so you can see how the policies treat the differences between your buildings.
Answers about building and rental-income cover.
Learn how rebuilding values, rental-value conditions, and umbrella insurance affect a property account. We apply these distinctions when comparing your options.
Which building value should we use for insurance?
The submission needs a value suited to the policy’s valuation terms. We help establish how your reported figure was calculated and check it against replacement-cost and coinsurance provisions. A market appraisal or loan balance measures something different from reconstruction cost.
Does interruption insurance replace every missed rent payment?
No. Rental-value coverage depends on its insured event and policy conditions. Tenant nonpayment or an ordinary leasing gap does not become a covered interruption simply because rent is lost.
Where does ordinance or law coverage fit?
It addresses specified costs associated with enforcement of building requirements following a covered loss, when included. We compare the limits for undamaged portions, demolition, and increased construction costs when reviewing property proposals.