Business Solutions
Commercial Property.
Structural Protection.
Your commercial real estate is one of your most significant assets. We structure comprehensive property insurance programs that protect your buildings, income streams, and investment value.
Coverage Components
Comprehensive Property Protection
Building Coverage
Protects the physical structure of your commercial building against fire, windstorm, hail, vandalism, and other covered perils on a replacement cost basis.
Business Personal Property
Covers furniture, fixtures, equipment, and inventory inside your commercial space against covered losses.
Loss of Rents
Reimburses lost rental income if your property becomes uninhabitable due to a covered loss, protecting your investment cash flow.
General Liability
Covers third-party bodily injury and property damage claims arising from your ownership of the commercial property.
Ordinance or Law
Covers the additional cost to rebuild in compliance with current building codes after a covered loss — critical for older commercial buildings.
Flood & Earthquake
Optional endorsements for flood and earthquake exposure, particularly important for Massachusetts coastal and urban commercial properties.
Property Types
We Cover All Commercial Property Types
Office Buildings
Multi-tenant and single-tenant office buildings, professional parks, and medical office complexes.
Retail Centers
Strip malls, standalone retail buildings, and mixed-use commercial properties.
Warehouses & Distribution
Industrial warehouses, cold storage facilities, and distribution centers.
Mixed-Use Properties
Buildings combining commercial ground floor with residential upper units.
Manufacturing Facilities
Light and heavy manufacturing plants with specialized equipment and inventory.
Vacant Commercial
Specialty coverage for temporarily vacant commercial properties during renovation or lease-up.
Critical Consideration
The Underinsurance Problem
Studies show that over 75% of commercial properties in the United States are underinsured — often by 40% or more. This gap is typically discovered only at the time of a major loss, when it's too late to correct.
Construction costs in Massachusetts have increased significantly in recent years. A building insured at its 2018 replacement cost may be severely underinsured at today's construction rates.
Our advisors conduct thorough replacement cost analyses using current construction cost data to ensure your coverage limits accurately reflect today's rebuild costs.
Average Underinsurance Gap
of replacement cost
MA Construction Cost Increase
since 2020
Coinsurance Penalty Risk
claim reduction
Protect Your Commercial Investment
Request a commercial property insurance review. We'll assess your current coverage, identify gaps, and present competitive options from our carrier network.
Request a Property Review