Insurance guides for CRE investors
Plain-English answers to the questions that actually come up when you insure a commercial property — lease obligations, who goes where on the policy, roof age, blanket-policy billing, and more.
NN vs NNN vs Absolute Net: Who Really Insures the Building?
Double net, triple net, absolute net. The lease type decides who carries the property insurance on your commercial building. Here's how to tell, and why it changes your policy.
Read the guide →Named Insured, Mortgagee, Additional Insured, Cert Holder: Who Goes Where
The four roles on a commercial property policy: named insured, mortgagee/loss payee, additional insured, certificate holder. And why naming your lender wrong is the top reason an insurance review fails.
Read the guide →Does Roof Age Really Matter for Commercial Property Insurance?
Roof age is one of the heaviest factors in commercial property underwriting. Here's how it affects your coverage, your deductible, and whether a carrier will quote at all, plus what to do if you don't know it.
Read the guide →The Blanket-Policy Problem: Why You Can't Tell a Tenant What Their Building Costs
When a broker lumps 20 properties onto one blanket policy, the premium comes back as a single number, so you can't tell any tenant what their building costs. Here's how per-property cost allocation fixes it.
Read the guide →Replacement Cost vs Actual Cash Value: Setting Your Building Limit
Replacement cost (RCV) vs actual cash value (ACV) is the difference between rebuilding after a loss and getting a depreciated check. Here's how to set your commercial building limit and dodge a coinsurance penalty.
Read the guide →Business Income & Rental Value: How Your Lease Sets This Limit
If a covered loss shuts your building down, business income (rental value) coverage replaces the rent you lose. Here's how your lease sets the limit and why investors underbuy it.
Read the guide →What Carriers Actually Need to Quote Your Property
A complete submission gets faster, better-priced quotes. Here's the exact information carriers need to quote a commercial property, and which items you can skip because we find them for you.
Read the guide →How to Read the Insurance Clause in Your Lease
The insurance article in a commercial lease decides your coverage more than anything else. Here's how to read it: required limits, waiver of subrogation, additional insured, and who carries the building.
Read the guide →Buying a Leased Property: The Insurance Timeline for Closing
Insurance shouldn't be the thing that delays your CRE closing. Here's the timeline: when to start, what the lender needs, and how to have a bindable policy ready for your effective date.
Read the guide →Loss Runs: Why 5 Years of Claims History Matters
Loss runs are your property's claims history, and carriers want five years of them. Here's what they are, why they move your premium, and how to get them when you're buying.
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