Buying a property
Coverage bound and documented before closing, matched to your lender's requirements.
Commercial property
Industrial property insurance in California
For owners of warehouses, flex buildings, and light manufacturing property.
Industrial property covers a wide range: distribution warehouses, multi-tenant flex buildings, and light manufacturing. The buildings are often simple. What goes on inside them is what insurers study.
A warehouse storing boxed goods on low racks is a different risk from one storing plastics to the ceiling, even in identical buildings. Insurers want to know each tenant’s operations, how high goods are stacked, and whether the sprinkler system was designed for that use. When a tenant changes, the answer can change, so we ask about tenants at every renewal.
Leases matter too. In a net lease, the tenant may be responsible for insuring the building or for parts of the coverage. We read the insurance section of your leases alongside your lender’s requirements, so the owner’s policy, the tenant’s policy, and the loan documents line up.
What we place for industrial owners
- Property coverage on the buildings
- Business income and loss of rents
- General liability
- Umbrella and excess liability
- Equipment breakdown
What insurers look at
Having these ready makes a submission stronger.
- What each tenant does in the space
- Sprinklers and fire protection, and whether they fit what's stored
- Storage height and what's being stored
- Roof age and condition
- Single-tenant or multi-tenant
- Construction type, such as concrete tilt-up or metal
What lenders usually ask for
Lenders usually ask for replacement cost on the buildings, business income or loss of rents for a set period, liability and umbrella limits, and the lender named as mortgagee and additional insured. Net lease structures add a step, since the tenant may carry some of the coverage.
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.
Common questions
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.
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.
Can you deliver documents directly to our lender?
Yes. We send the binder, evidence of insurance, certificates, and endorsements to your lender and escrow.
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.
Have a date coming up?
Tell us what's happening and when. Your broker will reply within one hour on business days.