What We Cover
Coverage Built for Real Estate Investors
Every property in your portfolio carries unique risk. We offer the full spectrum of commercial insurance coverages — and the expertise to structure them correctly for your specific situation.
Commercial Property
Protect your buildings, income, and contents.
Commercial property insurance is the foundation of any real estate investor's risk management program. It covers physical damage to your buildings and their contents from fire, storm, vandalism, and other covered perils — plus loss of rental income while repairs are underway.
What's Covered
- Building structure and permanent fixtures
- Business personal property and contents
- Loss of rental income (business interruption)
- Equipment breakdown
- Ordinance or law coverage for code upgrades
- Flood and earthquake (available as endorsements)
Builder's Risk
Coverage from groundbreaking to certificate of occupancy.
Builder's risk insurance protects properties under construction or major renovation. It covers the structure, materials on-site, and materials in transit — so a fire, theft, or storm doesn't derail your project timeline or budget.
What's Covered
- Structure under construction
- Materials and supplies on-site
- Materials in transit to the job site
- Soft costs (architect fees, permits, loan interest)
- Delay in completion coverage
- Scaffolding and temporary structures
General Liability
Protection from third-party claims on your properties.
General liability insurance protects you when a tenant, visitor, or contractor is injured on your property — or when your operations cause damage to someone else's property. It covers legal defense costs and settlements, which can be substantial even when you're not at fault.
What's Covered
- Bodily injury to third parties
- Property damage caused by your operations
- Legal defense costs and attorney fees
- Medical payments for injured parties
- Personal and advertising injury
- Products and completed operations
Umbrella Coverage
An extra layer of protection above your primary limits.
A commercial umbrella policy provides additional liability coverage above the limits of your underlying policies — general liability, commercial auto, and employers liability. For real estate investors with multiple properties, umbrella coverage is essential protection against catastrophic claims.
What's Covered
- Excess liability above primary policy limits
- Broader coverage than underlying policies in some cases
- Defense costs in addition to policy limits
- Coverage for claims that exhaust primary limits
- Single policy covering multiple underlying policies
Workers Compensation
Protect your employees and your business.
Workers compensation insurance is required by law in most states for businesses with employees. It covers medical expenses and lost wages for employees injured on the job — and protects you from lawsuits arising from workplace injuries. We make compliance straightforward.
What's Covered
- Medical treatment for work-related injuries
- Lost wages during recovery
- Permanent disability benefits
- Death benefits for surviving dependents
- Employer's liability (Part B)
- Legal defense for covered claims
Commercial Auto
Coverage for vehicles used in your business operations.
Commercial auto insurance covers vehicles owned or used by your business — from a single truck to a full fleet. Personal auto policies typically exclude business use, so if your team drives for work, you need commercial coverage. We can bundle fleet policies for cost efficiency.
What's Covered
- Liability for accidents caused by your drivers
- Collision and comprehensive for owned vehicles
- Hired and non-owned auto liability
- Uninsured/underinsured motorist coverage
- Medical payments for occupants
- Fleet discounts for multiple vehicles
Ready to Get Started?
Not Sure Which Coverages You Need?
Our specialists will review your portfolio and build a coverage program tailored to your specific properties and risk profile — at no obligation.