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Commercial Real Estate Insurance in California
Protection for the buildings you own, lease, and manage.
✓ Lessor’s risk only policies
✓ Same-day certificates for tenants and lenders
✓ Insurance and surety bonds from one agency
Get a commercial property quote
Tell us about your property. A licensed advisor will follow up.
No obligation. We’ll only use your information to prepare your quote.
Properties we insure
What property owners ask us for
Commercial Property
Covers your building against fire, theft, vandalism, and other covered losses, written at the right replacement cost.
Lessor's Risk Only
For owners who lease their building to tenants. Covers the building and your liability as the landlord, often for less than a standard policy.
General Liability
Protects you if someone is injured on your property, like a slip in the parking lot or a fall on the stairs.
Loss of Rents
Replaces the rental income you lose while a damaged building is being repaired.
Umbrella Liability
Extra liability limits when a lender, a tenant, or the value of your property calls for more.
Equipment Breakdown
Covers HVAC, elevators, electrical systems, and other building equipment after a mechanical or electrical failure.
Want the details on each coverage? See all business insurance coverage →
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Landlords & lessors
Protect the building and the income it earns.
Your building is only as protected as your leases, your tenants' coverage, and your own policy together. We help you get all three right.
Tenant insurance requirements
Help setting the coverage your leases should require from tenants.
Certificates from tenants
Making sure you're named as additional insured on your tenants' policies.
Vacancy protection
Coverage that keeps working when a unit or the whole building sits empty.
Lender requirements
Policies set up to meet your lender's coverage and certificate requirements.
Have these ready and we can move fast.
Don't have everything? Send what you have. We'll help fill in the rest.
- Property address, building size, and year built
- Construction type, roof age, and recent updates to electrical, plumbing, and HVAC
- Occupancy: who your tenants are and how much space is vacant
- Annual rental income
- Your current policy and loss runs for the last 3–5 years, if you have them
Commercial real estate insurance FAQs
What is lessor's risk only (LRO) insurance?
A policy for property owners who lease their entire building to tenants. It covers the building and the owner's liability as landlord, while tenants carry their own coverage for their business operations.
Do I need earthquake insurance for a commercial building in California?
It isn't required by law, but standard property policies exclude earthquake damage, and many lenders require it. We can quote earthquake coverage separately.
What is loss of rents coverage?
If a covered loss like a fire makes your building unusable, loss of rents coverage replaces the rental income you lose while it's being repaired.
Should my tenants carry their own insurance?
Yes. Most commercial leases require tenants to carry general liability and name the landlord as additional insured. We can help you set the right requirements.
Is a vacant building still covered?
Coverage is often limited once a building has been vacant for a set period, commonly 60 days. If your building is empty or about to be, talk to us so the right coverage stays in place.
Renewal coming up? Let's compare.
Send us your current policy and we'll review your building's coverage before you renew.