Commercial Real Estate Insurance
Property insurance is only the starting point. A strong real estate program should reflect the building, tenants, leases, income stream, catastrophe exposure, liability profile and how long recovery could realistically take.
Serving Utah and all 50 states. Based in Utah, we work with commercial property owners statewide, from Logan and Ogden to Salt Lake City, Provo and St. George, and we place coverage for companies in all 50 states. We look at how your locations, people, property and contracts actually affect the coverage you need. Reach out for a no-pressure review of what you have today.
Insurance built around the property you actually own.
Commercial real estate is not one exposure. Industrial, office, retail, multifamily and mixed-use properties can require very different underwriting, limits and risk-transfer strategies.
Commercial Property Owners
Core property, liability, rental income and lease-related coverage.
ExploreIndustrial Real Estate
Warehouses, manufacturing properties and industrial buildings.
ExploreOffice Buildings
Tenant mix, common areas, building systems and rental income.
ExploreRetail & Shopping Centers
Public traffic, parking, tenant mix, signs and common areas.
ExploreMultifamily
Habitational property, loss of rents and liability exposures.
ExploreMixed-Use Properties
Residential and commercial occupancies under one roof.
ExploreProperty Portfolios
Schedule strategy, catastrophe concentration and consistent valuation.
ExploreVacant Buildings
Vacancy provisions, security, utilities and redevelopment.
ExploreBuilders Risk for Owners
Ground-up construction and major renovations.
ExploreOrdinance or Law
Demolition and code-upgrade costs after a covered loss.
ExploreBusiness Income & Rental Value
Protecting the rent stream through a long restoration.
ExploreEquipment Breakdown
HVAC, electrical and other critical building systems.
ExploreCommercial Umbrella
Additional liability limits for properties and portfolios.
What we want to understand before approaching the market.
Better submissions start with better property data and a clear picture of how the owner makes money.
Common questions from Utah commercial property owners
Commercial real estate insurance usually combines property, general liability, umbrella and rental income coverage, with additional lines for equipment breakdown, ordinance or law, and vacancy depending on the portfolio.
Frequently asked questions
What insurance does a commercial landlord need?
Typically commercial property, general liability, business income or rental value, and umbrella liability, plus coverages driven by the building's age, occupancy and lender requirements.
Can multiple properties be insured on one program?
Yes. Many owners combine properties into a portfolio program, which can simplify renewals and sometimes improve terms.
What happens to coverage if my building is vacant?
Many property policies limit coverage after a building has been vacant for a set period. Vacant building coverage may be needed.
Should tenants carry their own insurance?
Leases commonly require tenants to carry liability and property coverage and name the landlord as additional insured.
Related pages: Commercial Property Owner Insurance · Business Income & Rental Value · Commercial Umbrella · Vacant Building Insurance · Portfolio Insurance
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