Office
Office insurance that reflects how your buildings are actually used.
Occupancy has changed, and so have lenders' and carriers' views of office risk. The right program accounts for vacancy, tenant mix and the capital plan without paying for risk you don't have.
What owners are up against
The problems I see most.
Vacancy and occupancy
Vacancy clauses and changing occupancy can reduce coverage if the program isn't written for it.
Lender scrutiny
Refinancing and loan modifications bring new insurance requirements and tighter reviews.
Renovation and conversion
Repositioning projects need builder's risk and liability that fit the construction plan.
How I approach it
What a office program with me looks like.
- Property structured for actual occupancy, with vacancy terms reviewed up front
- Liability and umbrella placed across the portfolio
- Builder's risk and project coverage for renovations and conversions
- Open market, captive and alternative options where they lower long-term cost
Let's look at your office program.
Tell me about your portfolio. I'll tell you honestly whether there's a better structure, a better price, or neither.
Start the conversation