Commercial Real Estate
Insurance

Transfer risk away from your properties, tenants, and
your investment.

Protection for your walls and everyone inside of them

Business is complicated, but your commercial real estate insurance shouldn’t be. Let’s secure appropriate levels of coverage for traditional losses like fire or water damage and slip-and-fall claims, in addition to protecting your investment from unpredictable instances of:

  • Natural disasters
  • Environmental accidents
  • Security breaches, cyber crime, and much more

Together we will evaluate your operations and develop mitigation strategies that reduce your total cost of risk in a way that is both comprehensive, and easy for you to understand. A tailored insurance solution will empower you with peace of mind while growing your portfolio of properties.

Risk management done right saves you money

A powerful risk management strategy goes beyond buying a policy.

Working with ZRM gets you access to a strategic partner that keeps things simple while identifying, mitigating and managing risk:

  • Review leases and contracts to evaluate the unique risk each tenant brings
  • Proactively compare your risk to coverage and gaps to ensure that you’re neither underinsured nor over-insured
  • Annual reviews to make sure your commercial insurance carrier is the best fit for your unique risk exposure

We’re ready to help you design a complete commercial real estate insurance solution that leverages risk management to protect your tenants, your properties and your investment.

Contact ZRM Brokerage to get started today.

Commercial Real Estate Insurance FAQ

Commercial real estate insurance is a type of insurance that protects your property and assets from potential liabilities and losses. This can include protection for your building, contents, and loss of income. As a commercial real estate owner or investor, it’s important to have this coverage in place to protect your financial interests and assets in case of unexpected events such as natural disasters or third-party lawsuits.

There are several types of coverage available for commercial real estate insurance, including property insurance, liability insurance, and business interruption insurance. Property insurance protects your building and contents from damage or loss, liability insurance covers third-party claims against your property, and business interruption insurance provides coverage for lost income in the event of a covered loss.

The amount of coverage you need for your commercial real estate will depend on several factors, including the value of your property, the type of business you operate, and the potential risks your property faces. It’s important to work with an experienced insurance broker to conduct a thorough risk assessment and determine the appropriate amount of coverage for your needs.

Most commercial real estate insurance policies will have exclusions and limitations, so it’s important to carefully review your policy and understand what is and isn’t covered. Common exclusions include flood or earthquake damage, war, and acts of terrorism. Be sure to ask your insurance broker about any potential exclusions or limitations that may apply to your policy.

There are several ways to save on commercial real estate insurance costs such as bundling your insurance policies, implementing risk management measures, increasing your deductible and shopping around for quotes.

make informed insurance decisions.

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