First, don’t panic. Property insurance is the most common policy being cancelled right now.  Gather your building information such as year built, square footage, critical updates such as electrical, plumbing, HVAC, and roof.  Also ask your current agent for a 5-year loss history.   Once you are ready, call 866-913-6293 to speak with a licensed agent who can guide you through the process.  Or feel free to click above on Commercial Property / Liability coverage and complete the form.  A licensed agent will be in contact to help you through this process.

Cyber Liability provides protection for property owners and managers such as, data breaches, financial losses, and legal compliance.  Property owners and managers often collect sensitive information such as personal details, financial data, and payment history.  Cyber liability helps to mitigate the financial impact of a breach.  Cyber Liability can also cover financial losses stemming from a breach related to unauthorized transfers, fraud, or even downtime in some situations.  Cyber Liability also can include third party coverage.  Property managers often work with outside vendors who might have access to their systems.  If one of these third parties in involved in a breach the property manager could be held liable. 

The short answer is yes. Most carriers will require replacement of these electrical panels. A few carriers will provide a basic coverage policy if you have these panels, but most will require new panels.

An Excess Liability policy provides extra protection beyond the limits of their existing insurance such as general liability, employers liability, and auto liability. An Excess Liability policy will respond once the primary liability limit has been exhausted. Some examples would be legal defense costs, tenant or visitor lawsuits, auto accident lawsuits. Excess Liability helps to protect your assets. Property owners typically have significant assets and a large lawsuit could jeopardize these assets.

While not legally required, it is highly recommended. Employees can sue for a variety of reasons, even if the company believes they acted appropriately. Some examples would be discrimination, harassment, wrongful termination, retaliation. Even a small business can face a lawsuit. Third party coverage also protects against tenant suits such as discrimination and harassment.