Property characteristics
Construction, age, updates and protection features help describe each building.
Real Estate
Coverage for properties and the businesses behind them.
Commercial property owners, investors, lessors and community associations face exposures that vary by building and occupancy. A clear picture of the property and its use helps frame the insurance discussion, whether for a single location or a scheduled portfolio.
Coverage considerations
See the operation from every angle.
Property & location
- Commercial Property
Buildings, business personal property and interruption exposures at insured locations.
- Flood
Flood exposure considered separately from other property insurance needs.
Liability & protection
- Lessor’s Risk
Premises and tenancy-related liability for property owners and lessors.
- General Liability
Third-party bodily injury, property damage and liability arising from business operations.
- Excess & Umbrella
Additional liability protection considered alongside the underlying insurance program.
Coverage considerations are general guidance, not confirmation of availability or eligibility. Terms, conditions and availability depend on the account, jurisdiction and underwriting review.
What shapes the placement?
The details behind the business.
Location
Surrounding conditions and weather-related exposures vary across locations.
Occupancy and tenancy
How tenants use the premises helps clarify property and liability exposures.
Portfolio structure
Ownership, values and location schedules help organize multi-property submissions.
Loss experience
Explain prior claims, repairs and changes made to reduce recurrence.
Preparing an account
A clearer submission starts here.
Complete information helps our underwriting team evaluate the opportunity efficiently. Useful information may include:
- Applicant and business details
- Requested coverage and effective date
- Current or prior insurance
- Available loss history
- Statement of values and location schedule
- Construction, occupancy and building updates
- Tenant information and property management arrangements
- Available property inspections
Industry insights
Put the business in context.
Outline the operation, explain what has changed and organize the supporting schedules. Use the checklist above to prepare a clear account narrative for review.
Review the preparation checklist ↑Broker product reference Approved brokers · Restricted access
Current appetite and underwriting reference.
Detailed reference access is being prepared for approved agencies and producers. Email verification alone does not grant access. For current placement guidance, submit the account for review.
- Eligible classes
- Approved access required
- Territory
- Approved access required
- Limits / capacity
- Approved access required
- Key underwriting considerations
- Approved access required
- Available programs
- Approved access required
- Required submission documents
- Approved access required
Your next opportunity
Not every risk fits neatly into a category.
Tell us about the account and we’ll help determine the appropriate next step.