FAQs

Standard coverage often cuts back once a building is vacant beyond a set period. We can arrange vacancy provisions or dedicated vacant-building coverage to bridge it. ...

If you operate from a building you own, an owner-occupied (owner-user) approach that combines building and business coverage may fit better. We can compare.

Yes. We review lender requirements, including limits, valuation, and being named on the policy, and align your program so it satisfies them.

Typically no. In California these are usually separate from the property policy and addressed through dedicated earthquake or DIC coverage. We can review what fits your property. ...

It may help replace the rental income you lose while a covered loss makes space unrentable during repairs, which is often one of the most important coverages for an ...

Often yes. If a covered loss makes the space unusable, loss of rents may help replace the rental income you would otherwise collect during repairs.

Usually not. Tenant policies typically cover their contents and their liability. LRO is what protects the structure you own and your landlord liability.

Many commercial leases require the owner to carry LRO at specified limits. We can review the lease language and help align your coverage with it.

LRO covers your role as building owner and landlord, not a business operating inside the space. Tenants insure their own contents and operations separately.

It describes how far the master policy reaches into a unit. That determination guides what each owner’s HO6 policy should pick up, and we can help the board explain ...