Premises liability
Falls, parking-lot incidents and building conditions can produce serious injuries.
Commercial Umbrella for Real Estate Owners
Commercial properties can generate severe liability claims involving tenants, visitors, contractors and common areas. Umbrella or excess coverage provides additional limits above scheduled underlying policies.
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.
Habitational exposure
Multifamily properties can create higher-severity liability scenarios.
Portfolio scale
More locations generally mean more opportunities for a severe liability event.
Underlying requirements
Umbrella policies require specific underlying limits and scheduled coverage.
Key Exposures
Questions worth answering before renewal.
Contractor activityMaintenance, construction and snow-removal contractors can create third-party liability disputes.
SecurityAllegations involving lighting, access control or security can become severe.
Additional insuredsLease and financing agreements may require specific excess-liability treatment.
Limit selectionAsset values, occupancy, claim severity and contractual requirements all influence the discussion.
Have a renewal coming up?
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