You own a property that gives you a regular income. Perhaps it’s a strip mall you rent out to monthly merchants, or a warehouse you’ve leased to a mechanic. The bottom line is if it gets compromised, you get compromised. That’s where we come in.
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For over three decades, Regal Insurance Brokers has protected commercial real estate owners just like you. From your initial phone call, we’ll ask all the right questions to make sure you get the right coverage.
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When looking at commercial insurance real estate rates, many are left wondering what their policy actually buys them.
A commercial real estate insurance policy from Regal will offer you:
This protects the building itself. Teenagers vandalized your property? Bad weather just destroyed your roof? This coverage makes sure repairs and replacements are made in a timely manner.
Imagine the income you’d lose if a thief stole all of your computers. Or a natural disaster wiped out your office. This form of real estate insurance will recover the amount of income that the unforeseen event caused you to lose. Loss of income real estate insurance covers things like routine bills and relocation support.
This covers injury or harm that occurs on your property, affecting both customers and employees. When someone slips on your icy sidewalk and sues you, this real estate insurance coverage pays the costs associated with the lawsuit.
This is the breakdown of expensive machinery that your business needs to properly function. Let’s say a power surge ruins expensive electronics. This type of commercial real estate insurance covers replacement cost and shipping.
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This can vary depending on what type of real estate you own as well as the occupancy of it. In all cases, there is always the possibility of a loss caused by natural disasters however; depending on the use and occupancy of the property there are many more exposures that could cause a loss. For example, vandalism or damage caused by tenants, or injuries occurring on an area of the premise which you are responsible to maintain. In the event that the property is unlivable after a covered loss occurs, that could also be a large loss of income for an owner that is renting out the property. Insurance can help protect against these potential issues.
While these would be the main coverages a Commercial Real Estate owner would benefit from, there are also other coverages that can be added depending on your needs.
While some losses are not possible to prepare for or avoid, it is possible to take precautions that can reduce the risk of certain losses. For example, having set procedures and timelines for any maintenance you as the owner are responsible for.
Additionally, understanding your coverage and ensuring you have the coverage you need is a way to minimize your personal loss in the event that something does goes wrong.
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