Business insurance for property ownership.

Commercial property insurance covers specified physical loss to insured buildings and other property. We check the valuation basis used in your submission and compare the proposed settlement terms. Market price and the cost to rebuild measure different things.

• 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 can cover rental income lost after damage from an insured cause. We check whether the proposal includes rental value, how the limit was calculated, and the restoration period used to measure the loss.

• 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 adds liability limits over the underlying policies listed in its schedule, subject to the umbrella’s terms. We compare the entities and policy periods across those layers and flag exclusions or required limits that could interrupt the cover.

• 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