Multifamily & mixed-use
Three-units, six-units, twenty-units — we write the package policy that bundles property, general liability, business income, and equipment breakdown into one renewal and one carrier relationship. For mixed-use (retail downstairs, apartments upstairs) we'll structure the coverage so neither piece falls into a gap.
Business Owners Policy (BOP)
Small business retail, office, and service-business locations get a BOP — property and liability combined, often at meaningfully better rates than buying them à la carte. We'll size limits to the actual exposure, not the carrier's default.
Standalone commercial property
For larger or unusual risks that don't fit a BOP — older buildings, partial vacancies, heavy property exposure with low liability — we'll place property and liability separately so each can be tuned independently.
Vacant commercial buildings
Acquired-for-redevelopment or between-tenants commercial vacancy is a specialty market. Many carriers won't touch it. We will.