Owners in all 48 contiguous states, licensed in each before placing
Submissions reviewed same business day (636) 678-8197

Industries

Commercial property insurance by industry

Eight classes we write constantly, and the exposure that decides the price on each one. Underwriters price occupancies, not square footage.

Start a quote Browse coverage

Commercial property insurance by industry starts from one fact: underwriters do not price buildings, they price occupancies. A 40,000 square foot building is a different risk as a memory care community than it is as a car wash, and the carriers who will look at one of them often will not look at the other. That is why this site is organized by class rather than by product.

Four of the eight below are what we place constantly, and those pages run deepest. The other four are classes we write regularly enough to know the appetite, the deductible structures and the questions the submission has to answer before it goes out. Every one of them links through to the states where we place it.

Property Classes

Eight classes, and what each one is priced on

Senior living community building among pine trees, senior living insurance

Class 01

Senior Living Communities

Independent living, assisted living, memory care, skilled nursing and hospice. Professional liability and property are underwritten together, and staffing ratios move the price as much as the roof does.

  • We cover55+, IL, AL, memory care, SNF, hospice
  • Watch itemsResident care claims, elopement, life safety
  • ProgramDirect carrier access for professional liability
Senior living insurance
Car passing through the cloth brushes of a tunnel car wash, car wash insurance

Class 02

Car Washes

Express tunnel and full service operations. The machinery is the business, so equipment breakdown and the income loss behind it matter more than the square footage of the building.

  • We coverExpress tunnel, full service, multi-site chains
  • Watch itemsConveyor and dryer failure, reclaim systems, vehicle damage
  • Not writtenSelf-serve spray bays
Car wash insurance
Hotel with rows of guest room balconies, hotel insurance

Class 03

Hotels

Flagged properties, boutique operations and independents. Business income is usually the largest number on the policy, and brand standards affect how the property has to be rebuilt after a loss.

  • We coverFlagged, boutique, independent, resort
  • Watch itemsBusiness income limits, guest injury, named storm deductibles
  • Not writtenMotels and extended-stay
Hotel insurance
Midrise apartment complex with balconies, apartment insurance

Class 04

Apartments and Multifamily

Five units per building and up, single asset or portfolio. Habitational is one of the hardest classes in the country right now, and valuation disputes are where most owners get hurt at claim time.

  • We coverGarden, mid-rise, high-rise, portfolios
  • Watch itemsRoof age, hail deductibles, replacement cost adequacy
  • Also placedBuild-to-rent and property management operations
Apartment and multifamily insurance
Street of new single-family homes with garages, build-to-rent insurance

Also Placed

Build-to-Rent Communities

Single family rental communities that underwrite like multifamily spread flat, often while part of the site is still under construction.

Build-to-Rent insurance
Two-story condominium buildings above a landscaped slope, condo association insurance

Also Placed

Condo and Townhouse Associations

Association master policies, where the split between the association form and the unit owner is the argument every claim opens with.

Condo Association insurance
Rows of yellow trucks and machinery on an equipment yard, equipment dealership insurance

Also Placed

Equipment Dealerships

Dealers holding machinery on their own lot and on customer sites, where property in the open is rated nothing like property inside a building.

Equipment Dealership insurance
Modern office building with a glass facade, property management insurance

Also Placed

Property Management Firms

Firms running buildings they do not own, where the named insured schedule and the additional insured wording carry the exposure.

Property Management insurance

Keep reading

Any of the eight

Tell us what the building does all day.

Occupancy is the first thing an underwriter reads and the thing that decides which markets will look at the account at all.

Start a quote Talk to a broker

Or call (636) 678-8197