Property Insurance Built to Protect Every Building You Own
From a single leased warehouse to a full apartment portfolio, we cover the structure, the rental income, and the liability that comes with owning commercial real estate.
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Property Types We Insure
🏢 Apartments & Multifamily
Duplexes through large complexes — building, liability, and loss of rents.
🛍️ Retail & Shopping Centers
Strip malls, plazas, and multi-tenant retail buildings.
📦 Warehouse & Industrial
Storage, distribution, light manufacturing, and flex space.
🏬 Office Buildings
Single-tenant and multi-tenant professional office space.
🔑 Lessor's Risk (LRO)
You own it, a business leases it — coverage built for landlords who don't operate the tenant's business.
🏙️ Mixed-Use Buildings
Retail on the ground floor, residential or office above.
🚧 Vacant Buildings & Land
Between tenants or under redevelopment — coverage most agencies turn away, but we don't.
What Can Go Wrong When You Own Property
Storm, Wind & Hail Damage
Roofs, siding, and HVAC units take the brunt of Midwest weather every year.
Vacancy & Sitting Empty
Vacant space between tenants brings different risks — and many standard policies exclude it entirely.
Tenant & Visitor Injuries
A slip on the sidewalk or a fall on a stairwell can land on your liability policy, not your tenant's.
Lost Rent During Repairs
A covered loss doesn't stop the mortgage — your rental income needs its own protection.
Aging Building Systems
Older roofs, wiring, and plumbing raise red flags with underwriters — and raise the odds of a claim.
Code Upgrade Costs After a Loss
Rebuilding to current code can cost far more than a standard policy pays out.
Protection Built for Property Owners
Same-Day Certificate of Insurance
Lenders and property managers often need proof of coverage fast — we get it done today.
Building & Property Coverage
Repairs or rebuilds the structure itself after fire, storm, wind, or other covered damage.
General Liability
Covers third-party injury or property damage claims tied to your building or grounds.
Loss of Rents / Business Income
Replaces rental income while a covered loss is being repaired.
Ordinance or Law Coverage
Pays the extra cost of rebuilding to current code after a loss.
Umbrella Coverage
Extra limits above your GL when a claim exceeds your primary policy.
Also available: Equipment Breakdown, Flood, and Vacant Building endorsements depending on your property.
We Shop 30+ Carriers So You Don't Have To
+ 25 more carriers shopped on every quote
One application. Dozens of quotes. The right fit for your property.
Compare My Rate →Pricing for Every Type of Property
Single Building / LRO
~$95/mo
Property and liability for a single leased building or small rental.
Apartment Complex / Small Retail
~$350/mo
Multi-unit or multi-tenant property with loss of rents built in.
Portfolio / Large Property
~$900/mo
Larger warehouses, shopping centers, or multi-property portfolios.
Actual pricing depends on property type, square footage, age of building, and coverage limits.
Commercial Property Insurance FAQ
Can you insure a vacant building?
Yes. Vacant property carries different risk than an occupied one, and many carriers won't touch it — we shop specialty markets that will.
What is Lessor's Risk (LRO) coverage?
It's built for landlords who own a building leased to a business they don't operate — you need property and liability coverage as the owner, separate from your tenant's own policy.
Does my policy cover lost rent if a tenant can't occupy the space?
Only if you add Loss of Rents / Business Income coverage — it's not automatic on every property policy, so we make sure it's included where it matters.
How many carriers do you check before quoting me?
We shop your property across 30+ carriers to find the best combination of price and coverage — not just the first quote that comes back.
Protect the Property You Own
Get a quote in minutes — no obligation, no pressure.
✓ Same-Day COI ✓ 30+ Carriers ✓ No Obligation