Commercial insurance answers for property businesses.

A building policy does not by itself establish coverage for an alleged error in professional management services. We check the manager’s professional liability terms for the services performed, separately from the owner’s building cover.

We identify the owner of the funds and the entity controlling payments when preparing a crime submission. We then check whether the proposals include money held for clients, since cover for the manager’s own funds may have a different scope.

Policies can distinguish a payment approved after deception from an unauthorized transfer. We compare social-engineering and funds-transfer terms, including the separate limits and required checks for changed payment instructions.

Purchase price and reconstruction cost measure different things. We work with you to identify the basis of the reported value, then check the proposed valuation clause and coinsurance requirement against that figure.

We compare the retroactive dates and reporting conditions and ask about known circumstances when preparing the renewal. A demand received later may concern earlier management work, so continuity matters when choosing a new professional liability policy.

A certificate records information about insurance; it does not rewrite the policy. We check requested additional-insured status and other insurance conditions in the actual forms and endorsements.

Property policies can exclude or restrict flood and earthquake damage. We check the causes-of-loss form and endorsements, identify the separate coverage needs, and explain the terms available for the property.

We take your property business account to market and read the resulting proposals. Our comparison explains the service definitions, client-money provisions, and relevant property conditions, with a recommendation based on the needs you have described.

Review the agreement when the services, entities, money-handling duties, indemnity, or insurance requirements change. We compare those facts with the policy forms and endorsements; the agreement itself does not establish policy coverage.

Prepare a location and entity schedule, valuation support, occupancy and renovation changes, the expiring declarations and endorsements, and relevant lease or lender requirements. Each proposal should be checked against the same underlying facts.

No. These answers are general education to help you prepare questions for a coverage review. The policy wording, declarations, and endorsements control, and they determine how a particular situation is treated.