Property & Facility Protection

Protect Your Expertise.

Secure Your Future.

Property Insurance That Protects What You’ve Built

Whether you manage one building in San Francisco or a growing portfolio across the country, your commercial property needs strong, smart protection. From retail spaces and multi-unit rentals to commercial developments and HOA-managed communities, we help property owners reduce risk and stay operational—no matter where they’re located.



We’re a San Francisco-based agency with national reach, offering clear guidance and customized coverage for every type of property investment.

A person is holding a pair of keys in their hand while another person signs a document.

What We Cover

We help business owners, landlords, and developers get coverage that reflects their true risk exposure—not just what’s easy to quote.

  • Commercial Property Insurance: Core coverage for physical structures, equipment, and business contents.


  • Commercial Real Estate Insurance: Tailored protection for property portfolios, office buildings, retail centers & mixed-use spaces.


  • Apartment Owners Insurance: Covers property damage, liability, loss of rental income & more for apartment complexes.


  • Condo Association Insurance: Insurance designed for HOA and condo boards—covering shared spaces, liability & board protection.


  • HOA Insurance: Specialized coverage for homeowners associations managing multi-unit properties or neighborhoods.


  • Lessors Risk Insurance: Protects building owners who lease commercial space to tenants—ideal for office, retail & warehouse landlords.


  • Builders Risk Insurance: Coverage for buildings under construction, including materials, equipment, and labor in progress.
Why It Matters

Protecting the Physical Side of Your Business

When you're managing property—especially in a region like the Bay Area—risk comes in all forms: weather, tenant mishaps, equipment failures, and legal issues. The right insurance policy does more than satisfy lease or lender requirements. It gives you confidence that if something goes wrong, you’ll have a path forward.



We bring years of commercial insurance experience in San Francisco, helping property owners find plans that cover what actually matters—from the day-to-day to worst-case scenarios.

FAQ

  • What does commercial property insurance cover?

    Commercial property insurance generally covers your building, equipment, inventory, and business contents against damage from fire, theft, vandalism, or certain weather events. It may also include loss of income due to property-related disruptions.

  • What’s the difference between commercial property insurance & lessors risk insurance?

    Commercial property insurance is for business owners who occupy their space. Lessors risk insurance is designed for landlords who lease commercial spaces to tenants. It covers the building and liability risks related to tenant activity.

  • Do I need insurance if I’m part of a condo association or HOA?

    Yes. Associations are responsible for insuring common areas, shared structures, and liability. Condo association or HOA insurance ensures the board and the community are protected from legal and property-related risks.

  • What is builders risk insurance & who needs it?

    Builders risk insurance covers construction projects—from new builds to major renovations. It protects materials, labor, and structures in progress against damage or loss. It's essential for developers, contractors, and even property owners.

  • How much commercial property insurance do I need?

    Coverage amounts vary based on the value of your building, contents, and business operations. We'll help assess your property and recommend a policy that reflects your actual risk—not just a basic estimate.

  • Is flood or earthquake damage included in commercial property insurance?

    Not typically. These are separate policies. If your property is in a high-risk zone in California, we strongly recommend adding flood insurance or earthquake insurance for full protection.