Buildings, backed
Your building, your tenants and the people who walk your property. Coverage that reads the fine print first.
Commercial property owners
Where the risk lives
Owners of office buildings, retail centers, warehouses and mixed-use property.
- 01Vacancy limits that cut coverage when a unit sits empty
- 02Flood and earthquake exclusions
- 03A visitor injured in a parking lot or common area
- 04Renovations between tenants
- 05Tenants without the coverage the lease requires
Most owners carry
The usual stack
To move fast
Oscar’s tip
If a space will sit empty for more than a couple of months, tell Oscar. Many policies limit coverage on vacant buildings.
FAQ
Questions
Should tenants name me as additional insured?
Usually yes. Your lease can require it, and Oscar can review the wording.
Does my policy cover flood?
Most commercial property policies exclude flood. In parts of the Sacramento region that’s worth checking.
Coverage for commercial property owners
CoverageSmall business packageBundles property and general liability into one policy, often with business income coverage, at one price.CoverageGeneral liabilityCovers injuries to other people and damage to their property caused by your business, plus the legal costs if you’re sued.CoverageBuilder’s riskProtects a building while it’s being built or renovated, plus the materials on site, until the job is done.
Next step
Ready when you are
Seven quick questions, about 90 seconds. Oscar, a licensed agent, reviews your profile personally.
Ask Diamond