Some of the services we provide include assessing losses to determine whether filing a claim warrants the potential surcharge, ensuring coverage is updated to keep up with increasing building costs (without overcovering), and working with underwriting to ensure all available discounts and credits are applied.
We insure office buildings, retail shopping centers, self-storage facilities, warehouses, and just about any other type of building you can think of, new or old.
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Insurers We Work With
We work with a variety of Insurers but here are a few of our most popular.
Covers the building and anything attached to it. Coverage is based on a replacement cost valuation. Many policies include agreed value, extended replacement cost, or guaranteed replacement cost, which acts as an important safety net.
Replaces lost rent monies should a covered loss render the buildings uninhabitable. We recommend enough coverage for at least 12 months of rent.
If you experience a loss that is severe enough to require permits to repair, the local government may require you to modify your building so that it adheres to current building codes. Ordinance coverage pays to rebuild (ordinance A), demolish (ordinance B), or upgrade (ordinance C) if it is required by law. Sufficient ordinance A coverage is automatically included. Unless the building is brand new or recently renovated, we recommend at least 10% ordinance B & C.
Sewer/drain backup coverage offers coverage if, for example, a toilet, tub or sink overflows and damages the building. Recommended is at least $50,000 coverage per floor.
Protects your company financially if held responsible for injuries or property damage. At least $1,000,000 coverage is recommended. This would cover the vast majority of losses, and help to prevent a situation where you run out of coverage and must pay out of pocket.
With our easy process, you can rest assured knowing that you are getting the best value and most coverage for your dollar.
Collect the bare minimum information.
Present a quote, including all available discounts.
Offer recommendations to improve coverage or lower premium.
Bind coverage and provide insurance documentation.