Coverage shaped by your property.
Guidance grounded in your priorities.

Plan for the damage—and the disruption.

Repairing a building is only part of recovering from a loss. Lost rental income, additional operating expenses, and requirements to meet current building codes can also affect the financial picture.

• Commercial property: Protection for insured buildings and business personal property against covered causes of loss.
• Business income and rental value: Coverage for qualifying income losses resulting from a covered interruption.
• Extra expense: Certain additional costs incurred to continue operations following a covered loss.
• Equipment breakdown: Protection for covered breakdowns of mechanical, electrical, and other building equipment.
• Ordinance or law: Coverage for certain additional costs associated with building code requirements following a covered loss.

Building values, deductibles, valuation provisions, and coverage limits deserve attention well before a claim.

Consider what happens beyond the property damage.

Injuries, property damage claims, and allegations involving property operations can create significant costs for owners and associations.

• General liability: Protection against certain third-party claims for bodily injury, property damage, and personal and advertising injury.
• Umbrella and excess liability: Additional liability limits above specified underlying policies, subject to their own terms.

We help you consider limits and coverage structure in light of property use, amenities, tenant activities, and other exposures.

Support the responsibilities that come with serving a community.

Association boards make decisions involving budgets, maintenance, community rules, and shared assets. Those responsibilities create exposures that differ from those of the property itself.

• Directors and officers liability: Protection for certain claims alleging wrongful acts in association governance.
• Crime and fidelity: Coverage for specified losses involving theft, dishonesty, or association funds.

Who is insured, who handles funds, and which activities are covered are essential parts of the review.

Account for the business behind the buildings.

Managing properties can involve employees, sensitive information, financial transactions, and professional services. Those activities introduce risks that property insurance alone does not address.

• Professional liability: Protection for certain claims involving errors or omissions in covered professional services.
• Cyber liability: Coverage options for specified data breaches, cyber incidents, and related response costs.
• Employment practices liability: Protection for certain employment-related allegations.
• Workers’ compensation and employers liability: Coverage addressing employee work-related injuries and associated employer exposures.
• Commercial auto: Coverage for business vehicle exposures, including hired and non-owned auto where appropriate.

The appropriate combination depends on your organization’s activities and responsibilities.

Give location a place in the coverage conversation.

Flood, earthquake, wind, and other catastrophe exposures require particular attention to policy terms, exclusions, deductibles, and available coverage.

We help you evaluate where separate policies or additional coverage may be appropriate and understand how those options fit into the broader property program.

Keep insurance aligned with what comes next.

Acquisitions, renovations, vacancies, and new construction can change a property’s insurance needs.

• Builder’s risk: Property coverage for qualifying construction or renovation projects.
• Vacant property: Coverage options for buildings that are unoccupied or awaiting their next use.
• Project transitions: Coordination as construction ends and the property moves into occupancy and ongoing operations.

Early conversations help identify when existing coverage may need to change.