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.

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.

COPE & valuationConstruction, occupancy, protection, exposure and realistic replacement cost.
Lease & tenant structureWho is responsible for what, and whether tenant insurance requirements support the owner's program.
Income exposureRental value, restoration time, tenant reoccupancy and extended-period assumptions.
Catastrophe concentrationHail, wind, wildfire, earthquake, flood and multiple properties in the same geographic area.

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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