We write Commercial Property coverage under one of two property coverage forms depending on your customer's coverage needs:

  • ISO Commercial Property Coverage Forms: industry-standard coverage forms that provide first-party insurance protection for real and business personal property against physical loss or damage.
  • Select Business Policy Property Coverage Forms: independent property coverage forms that provide coverage for direct physical loss to covered property. This product offers broader coverage than the ISO Commercial Property Coverage Forms.

Highlights of Commercial Property product offerings include:

  • Both coverage forms offer property broadening endorsements tailored to meet specific organizations needs.
  • Many optional coverages available such as:
    • Blanket building and/or personal property
    • Agreed value
    • Replacement cost
    • Functional replacement cost
    • Food spoilage
    • Building ordinance or law coverage