Commercial Real Estate Insurance
Business Insurance › Commercial Real Estate
If you own commercial property, your insurance needs to match the risks you actually carry - not a residential template with a commercial label on it. Grit Insurance Group places coverage for commercial real estate owners and investors across all 50 states, with carriers who understand building operations, tenant liability, and income protection.
We insure the full range of commercial property types. Whether you own one warehouse or a portfolio of mixed assets, we build a program that protects the buildings, the income, and the liability exposure that comes with owning them.
Commercial Property Types We Insure
Warehouse & Industrial Property
Distribution centers, manufacturing facilities, cold storage, flex space, and industrial parks. These properties carry risks most residential-focused agents miss - equipment breakdown, environmental liability, tenant operations, and high-value contents. We place coverage with carriers who underwrite industrial property every day.
Retail & Shopping Centers
Strip malls, shopping centers, standalone retail, and mixed retail properties. Retail properties come with foot traffic liability, tenant improvement risks, and lease-driven coverage requirements. Your policy needs to account for all of it.
Office Buildings
Single-tenant, multi-tenant, professional office parks, and medical office buildings. Office properties carry unique liability exposure from visitor traffic, elevator and HVAC systems, and shared common areas. Coverage needs to reflect the building class, tenant mix, and lease structure.
Self-Storage Facilities
Climate-controlled, drive-up, multi-story, and mixed-use storage operations. Self-storage is a growing asset class with specific risks around customer property disputes, security liability, and business interruption. We work with carriers who specialize in this space.
Vacant Commercial Property
Vacant buildings are hard to insure and easy to underinsure. Vandalism, fire, liability from trespassers, and code violations all create exposure that standard policies exclude. If you own vacant commercial property between tenants or during renovation, you need coverage written specifically for that situation.
Coverage for Commercial Property Owners
- Commercial Property Insurance - building, fixtures, equipment, and tenant improvements
- General Liability - bodily injury and property damage on your premises
- Loss of Rental Income - income replacement when a covered event makes the property unusable
- Equipment Breakdown - HVAC, elevators, electrical, and mechanical systems
- Umbrella Liability - additional liability limits above your base policy
- Flood and Earthquake - optional coverage for high-risk locations
- Builders Risk - coverage during construction, renovation, or major tenant buildout
Why Commercial Property Owners Work With Grit
- Independent brokerage - we shop dozens of carriers for the best fit
- Experience with portfolio policies covering multiple properties under one program
- Carriers who understand commercial property classes and tenant operations
- Fast certificates of insurance for lender and tenant requirements
Your commercial property is a business asset, not just a building. Call us at (801) 505-5500 or get a quote to start the conversation.