Schedule accuracy
Addresses, construction, occupancy, square footage, values and protection data should be consistent and current.
Commercial Real Estate Portfolio Insurance
Once an owner has multiple properties, insurance becomes a portfolio-management problem: consistency of values, location data, catastrophe concentration, deductibles and liability limits all matter.
What to Review
The details that can change the insurance program.
Commercial real estate insurance is highly dependent on the building, occupancy, leases, valuation, protection and income exposure. A useful review goes beyond simply quoting the same limits.
Portfolio valuation
One weak valuation assumption can be repeated across an entire schedule.
Deductible strategy
Portfolio size may create options for higher deductibles, aggregate structures or other risk-sharing approaches.
Acquisitions & dispositions
New purchases and sold locations need a clean process for adding and removing coverage.
Key Exposures
Questions worth answering before renewal.
Catastrophe concentrationSeveral properties in one hail, wildfire or earthquake zone can create correlated losses.
Blanket vs scheduled limitsThe structure should match the portfolio and policy language rather than relying on assumptions.
Loss historyPatterns across locations can reveal maintenance or loss-control opportunities.
Umbrella capacityPortfolio growth can increase the need for higher excess liability limits.
Have a renewal coming up?
Send us a few basics and we will follow up to learn more about your property or portfolio.