Commercial Real Estate Insurance

Property Insurance

• Down Zoning Coverage that protects the lost value of covered property that zoning law prohibits you from repairing, building or a replacing after a covered loss. (Available by endorsement)
• Better Green^TM coverage to rebuild to same or higher green standard automatically included via sublimit after a covered loss
• Increased tax assessment after a covered loss
• Ordinance or Law applies to all covered property and time element loss, not just buildings
• Tenant relocation and replacement expense after a covered loss, including advertising costs
• Equipment Breakdown coverage

General Liability

General Liability Industry specific endorsements providing 25 enhancements to coverage such as:

• Broad Form Named Insured and Newly Acquired Entities for any organizations
• Automatic Waiver of Subrogation and Primary Non-Contributory conditions
• Bodily Injury includes mental anguish, mental injury, shock, fright or death
• Incidental medical services, Good Samaritan Acts and Co-Employee extensions
• All perils included for property damage to Premises Rented to you Broadened contractual liability
• Automatic Blanket Additional Insureds status for vendors, lessees of premises, managers, lessors or governmental entities where required by written contract

Auto

Broadening coverage endorsement that adds 23 extensions in one form that includes:

• Loan/Lease Gap
• Employees as Insureds
• Fellow Employee
• Hired Car loss of use
• Hired Auto worldwide coverage
• Waiver of Subrogation when required by contract

Umbrella

Additional limits help protect against catastrophic claims beyond primary coverage.

Workers' Compensation

• Level and variable dividend options available
• Loss-sensitive programs available
• Pay-as-you-go payroll options

Optional specialized coverages

• D&O
• E&O/Professional Liability
• Cyber
• Garagekeepers’ Liability
• International Trip Travel