Tenant operations
Manufacturing, warehousing, distribution and contractor occupancies can produce very different underwriting results.
Industrial Real Estate Insurance
Industrial buildings can combine high property values with specialized occupancies, heavy utilities, tenant improvements, outdoor storage and concentration of values.
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.
Construction & protection
Sprinklers, fire alarms, hydrants, construction type and fire separation matter.
Tenant improvements
Who owns improvements and who is responsible for insuring them should be clear.
Outdoor property
Yards, fencing, signs, stored materials and equipment may require specific treatment.
Key Exposures
Questions worth answering before renewal.
High-value roofsLarge roof areas create significant hail, wind and replacement-cost exposure.
Single-tenant dependencyA major loss can interrupt the entire rent stream when one tenant occupies the building.
Heavy electrical loadsManufacturing and industrial tenants can create equipment, electrical and fire concerns.
Environmental exposureHistorical use, tanks, chemicals or tenant operations can create pollution issues outside standard property coverage.
Related Topics
Go deeper on the exposures that matter.
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