Buying a property
Coverage bound and documented before closing, matched to your lender's requirements.
Commercial property
Office property insurance in California
For owners of office and medical office buildings.
With office buildings, insurers often start with one question: how full is the building?
Vacancy matters because many property policies limit or remove some coverage when a building has been largely vacant for a period of time. The wording differs by policy, and it’s easy to miss. If occupancy at your building has dropped, we read the vacancy provisions with you before renewal and tell you plainly what they mean.
Tenant improvements are the other frequent gap. When a tenant builds out a space, the lease decides who owns those improvements and who insures them. If the lease is silent, both the owner and the tenant can assume the other one has it covered. Medical office adds its own questions about equipment and specialized build-outs. We go through the leases, the building systems, and the lender’s requirements together, so the policy matches how the building is actually used.
What we place for office owners
- Property coverage on the buildings
- Loss of rents
- General liability
- Umbrella and excess liability
- Equipment breakdown for elevators and central systems
What insurers look at
Having these ready makes a submission stronger.
- Vacancy, by building and by floor
- Tenant improvements, and who owns them under the lease
- Building systems, including elevators, heating, cooling, and electrical
- Occupancy type, such as general office or medical
- Year built and updates
- Sprinklers and fire protection
What lenders usually ask for
Lenders usually ask for replacement cost on the buildings, loss of rents for a set period, liability and umbrella limits, equipment breakdown where the building has central systems, and the lender named as mortgagee and additional insured.
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.
How are you paid?
Insurers pay us a commission when we place your policy.
Have a date coming up?
Tell us what's happening and when. Your broker will reply within one hour on business days.