Florida commercial property,
structured properly.

Single-tenant and multi-tenant office, medical office, and professional buildings. Tenant improvement coverage coordinated with lease responsibilities.

Standalone retail, anchor stores, freestanding restaurants, mixed retail buildings. See our strip center page for strip malls specifically.

Distribution centers, warehouses, light industrial. Building plus high-value contents and equipment coverage.

Ground-floor retail with residential or office above. Coordinated commercial property + landlord residential coverage on the same building.

Coastal Florida hotels, motels, and inns. High replacement values, business interruption critical, wind and flood coverage essential.

Single-tenant net lease, mixed investment properties, and held-for-rent commercial real estate.

Full replacement cost coverage with proper insurance-to-value. Coinsurance clauses managed carefully to avoid penalty at claim.

Florida wind coverage with appropriate AOP and wind deductibles (typically 2%-5% of building value). E&S sometimes required for coastal properties.

Required separately. NFIP commercial + Lloyd’s excess flood. See our commercial flood page.

Lost income, lost rents, or extra expense coverage if the property has to close. Typically 12 months indemnity period.

Boiler & machinery / equipment breakdown for HVAC, electrical, and mechanical systems. Critical for commercial buildings.

General liability tied to the property. Slip-and-fall, parking lot, common area exposures. See our commercial GL page.