Buying a property
Coverage bound and documented before closing, matched to your lender's requirements.
Commercial property insurance in California
Commercial property insurance, built around your deadline.
For owners, operators, and developers of income property. We place your coverage, match it to your lender's requirements, and stay on for the life of the asset.
Your situation
Refinancing
A new lender means new requirements. We update your coverage and paperwork to match.
Building or renovating
Builder's risk for the project, then a clean move to permanent coverage at completion.
Renewal or non-renewal
Start early, see your options side by side, and avoid a gap.
Every kind of income property.
We work with owners across California, from Los Angeles and Orange County to San Diego and the Bay Area.
Multifamily
5+ units
Specialty
Self-storage, hospitality, and more
What your lender asks for, handled.
Loan documents spell out exactly what insurance the lender will accept. We read that section, match your coverage to it line by line, and send the documents straight to your lender, so insurance isn't the last open item on the closing checklist.
See what lenders typically require- A binder confirming coverage before closing
- Evidence of commercial property insurance
- Certificates of liability insurance
- Mortgagee and loss payee wording exactly as the lender requires
- Additional insured endorsements
- A broker's letter confirming coverage meets requirements, when the lender asks for one
What we place
Coverage depends on the property, the insurer, and the market. We'll tell you what's available for yours.
Read the coverage guide- Property: building, business personal property, and loss of rents or business income
- General liability
- Umbrella and excess liability
- Builder's risk
- Earthquake
- Flood
- Equipment breakdown
- Ordinance or law
- Terrorism
One building or many.
Whether you own one property or a growing portfolio, we organize your schedule of locations and values so insurers can quote it cleanly, and we look at whether combining properties under one program makes sense.
What to send us
- Your current policy or declarations pages, if you have them
- A statement of values: address, square footage, construction, year built, and values per building
- Five years of loss runs from your current insurer
- Your lender's insurance requirements, usually a section of the loan documents or a separate exhibit
Don't have everything? Start anyway. We'll tell you what's missing.
Common questions
Do you work with surplus lines insurers?
Yes, when the standard market can't place a property. We'll explain what that means for your coverage before you decide.
Can you deliver documents directly to our lender?
Yes. We send the binder, evidence of insurance, certificates, and endorsements to your lender and escrow.
How early should we start before a closing?
As soon as you're under contract. Insurers need property details and loss history to quote, and some properties take longer to place.
How are you paid?
Insurers pay us a commission when we place your policy.
Do you work with properties outside California?
Not yet. We're licensed in California today.
What size properties do you work with?
From single buildings to multi-property portfolios, across apartments, industrial, retail, office, mixed-use, and specialty property.
Do we have to move every policy to you?
No. That's your choice. Many clients start with one property or one renewal.
What do you need from us?
Your current policies if you have them, a statement of values, five years of loss runs, and your lender's insurance requirements. Missing something? Start anyway.
Have a date coming up?
Tell us what's happening and when. Your broker will reply within one hour on business days.