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Commercial Property Insurance protects buildings and real estate operations from physical damage, income loss, and liability exposure. For owners of high-value and complex properties, this coverage is foundational to asset protection, lender compliance, and long-term financial stability.
Cogo Insurance places Commercial Property insurance for high-rises, skyscrapers, office buildings, multi-family properties, industrial facilities, mixed-use developments, and homeowners associations across the United States. Policies can be structured as monoline property coverage or as part of a broader package policy, depending on ownership structure and risk profile.
Commercial Property Insurance protects the physical structure and related exposures tied to ownership and operation.
Protects the structure itself, including:
Coverage applies to losses caused by fire, wind, hail, vandalism, theft, and other covered causes of loss, subject to policy terms.
Covers build-outs, interior improvements, and custom installations made by owners or tenants.
Covers owned contents such as:
Business Interruption coverage protects income when a covered property loss disrupts operations.
This coverage may apply to:
For income-producing properties, business interruption losses often exceed physical damage costs.
When written as part of a package policy, General Liability protects against third-party bodily injury and property damage claims.
Common exposures include:
General Liability is critical for properties with tenants, visitors, vendors, or the public.
Commercial Property policies are frequently customized with additional coverages.
Common options include:
Provides liability coverage for:
This coverage fills a common liability gap.
Some property policies offer limited cyber protection, such as:
For larger exposures, standalone cyber policies are recommended.
Covers damage caused by:
This coverage is particularly important for multi-family and urban properties.
Covers sudden mechanical or electrical failure of:
Equipment failures can cause major downtime and tenant disruption.
Covers increased costs to rebuild or repair in compliance with current building codes.
Commercial Property Insurance can be structured in different ways.
Cogo Insurance evaluates structure, lender requirements, and risk tolerance before recommending an approach.
This coverage is appropriate for:
If you own or control a building, property insurance is essential.
Commercial Property underwriting focuses on asset and exposure characteristics.
Key factors include:
Accurate valuation is critical to avoid underinsurance penalties.
Commercial property risks require technical placement and market access.
We focus on protecting assets, income, and long-term value.
It is not required by law, but it is typically required by lenders, investors, and governing documents.
Yes. Schedules can include multiple properties under one policy or layered program.
It can, depending on policy structure and lease agreements.
Flood is usually excluded and must be added through a separate policy or endorsement.
Yes. HOA policies are often written to cover common elements while unit owners insure interiors.
Yes. We review values, coverage terms, exclusions, and loss exposure to ensure alignment.
