Start with the commercial real estate operation
A large and varied economy includes technology, entertainment, agriculture, hospitality, manufacturing, logistics, construction, and commercial real estate.
Industry risks to discuss
- Property and catastrophe damage
- Premises and ownership liability
- Income loss and changing replacement costs
Coverage priorities
- Commercial property and business income
- General and umbrella liability
- Ordinance or law and equipment breakdown
California planning considerations
Wildfire and earthquake
Review how this condition could affect the operation's locations, employees, vehicles, customers, income, or ability to recover after a loss.
Flood, landslide, and coastal conditions
Review how this condition could affect the operation's locations, employees, vehicles, customers, income, or ability to recover after a loss.
High property values, dense operations, and long rebuilding timelines
Review how this condition could affect the operation's locations, employees, vehicles, customers, income, or ability to recover after a loss.
Build a useful insurance submission
A strong submission explains what the business does, where it operates, how it controls risk, and what has changed. Include current schedules and loss information rather than relying on an old application.
- Locations, construction, occupancy, values, and protection features
- Revenue, payroll, employee duties, vehicles, and operating territory
- Contracts, customers, vendors, special activities, and requested limits
- Currently valued loss runs and documented corrective action
Frequently asked questions
What should commercial real estate in California prepare for an insurance review?
Prepare a clear description of operations, locations, revenue, payroll, property, vehicles, contracts, protection practices, and currently valued loss history as applicable.
Does this page confirm coverage availability or legal requirements in California?
No. This page is general educational guidance. Eligibility, availability, and requirements must be confirmed for the individual account.
Coverage descriptions are general. Eligibility, availability, terms, conditions, limits, deductibles, and exclusions vary by account and insurance market.