About This Coverage
Commercial Property coverage protects businesses and other organizations against damage to their buildings and contents due to a covered cause of loss, such as a fire. The policy may also cover loss of income or increase in expenses that results from the property.
State Eligibility
Eligible State
State Not Available
Industries Available
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Construction
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Manufacturing
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Wholesale Trade
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Retail Trade
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Information
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Finance and Insurance
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Real Estate Rental and Leasing
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Professional, Scientific, and Technical Services
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Management of Companies and Enterprises
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Educational Services
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Health Care and Social Assistance
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Arts, Entertainment, and Recreation
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Accommodation and Food Services
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Other Services except Public Administration
Coverage Limits
Up To
$1B
Minimums
- $10,000 premium
Key Features
- Building, contents and time-element
- Named or Special forms
- Earthquake
- Coastal Wind
- Equipment Breakdown
- Wind Deductible Buy-Backs
- Flood Excluding Zones A & V
Preferred Classes
- Aircraft Parts/Components Manufacturing
- Airplane Hangars
- Chemicals
- Day-Care Centers
- Educational Institutions
- Event Centers
- Food Processing
- Healthcare Facilities
- Hospitality (including Casino, Hotels/Motels and Restaurants)
- Laboratories
- Light Manufacturing,
- Manufacturing
- Oil & Petrochemicals, Off-Shore Exploration & Production,
- Pharmaceuticals
- Plastics
- Power/General Utilities,
- Public Entities
- Real Estate Schedules, including Habitational Risk and Shopping Centers
- Religious Organizations
- Retail
- Theaters
- Vacant
- Warehousing/Distribution/Logistics
- Wood Workers
Restricted Classes
- Fireworks/Explosives Manufacturing
- High-Hazard Chemical Manufacturing
Trucks
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Agricultural Truck
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Box/Straight Truck
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Bucket Truck
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Catering Truck
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Cement Mixer
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Dump Truck
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Flatbed Truck
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Front Loader Garbage Truck
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Pickup w/ 5th Wheel
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Pump Truck
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Rear Loader Garbage Truck
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Refrigerated Truck
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Roll off Truck
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Stake Body Truck
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Tank Truck
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Tow Trucks
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Truck Tractor
Submission Requirements
- ACORD Application, fully completed and signed
- Supplemental Application
- Excel SOV
- 3-5 Years of Loss Runs
- Send submissions to quotes@ospreyuw.com