Spot for Commercial Property Insurance
We get your property quotes, check how each one values your building and stock, and help you buy well before renewal.
Your Spot team collects each worksite, how the business operates, the building and installed equipment, movable items and property held for others, along with your safety, security and maintenance practices.
When proposals come back from the market, we line up replacement cost against actual cash value, coinsurance conditions and deductibles, so a lower premium doesn’t hide a smaller payout.
Commercial property insurance
Buildings · Business personal property
Juniper Properties
Spot checks whether each quote leaves out flood, earth movement or wear and tear, and asks how lost income is treated, since property and business interruption are separate coverages.
Commercial property insurance
Juniper Properties · Policy review
Confirm with your broker
Replacement cost or actual cash value?
Your Spot team keeps your policy and schedules together, brings renewals forward and asks you to update values first, since underinsurance can reduce what a claim pays.
TaylorJuniper Properties
Let’s prepare the information for your broker and compare the terms, not just the price.
Commercial property insurance policy
Valuation · Deductibles
Share what you do, where you work, the policies you have and any contracts that ask for insurance.
Spot turns it into an application that describes your business the way insurers need to see it.
Spot handles the procurement, sending it to the insurers and markets that cover businesses like yours and chasing every quote.
We put the quotes side by side on limits, exclusions and terms as well as price.
You choose. Spot places the policy for you, and certificates are ready when a customer or landlord asks.
Your building and the equipment installed in it need to be listed apart from everything that moves.
Furniture, computers, tools and stock are listed apart from the building, and property you hold for customers has to be identified too.
List every worksite in the submission, not only headquarters, so each proposal shows which locations it insures.
Property that moves between sites may need inland marine or floater coverage, which is a separate conversation from your premises policy.
What each industry usually faces, and where Spot fits in.
You lease a lab, workshop, storage site, or keep company-owned equipment and inventory at a farm.
You lease an office or buy servers, test devices, or other analytics equipment.
Seasonal stock, samples, packaging, or production equipment accumulates at a studio or warehouse.
You lease a lab, hangar, or integration facility with installed equipment, prototypes, or customer-owned property.
You sign a lease or buy equipment, inventory, computers, or other property the company could not readily replace.
You own equipment or inventory at a site, or need to understand flood protection for a business building or its contents.
You lease a shop or storage space, own a building, or keep tools, materials, or inventory at a scheduled location.
Prototypes become finished stock, test rigs, tooling, or equipment at a lab or warehouse.
You lease space or keep stock, fixtures, production equipment, or samples at a business location.
You lease a studio or keep editing equipment, archive media, or production property at a business location.
A prototype or test unit remains at your lab, moves to a customer site, or is held alongside customer- or government-furnished property.
You lease a lab, install analyzers or freezers, or keep samples, inventory, or customer property at a site.
Get quotes from 40+ commercial property insurance providers with Spot.
Read the lease to see whether you or the landlord insures the building, then set your building and contents limits to match.
Update its value, and if it travels between sites, ask separately about inland marine or floater coverage.
Tell your Spot team before you move in, so the new worksite and what’s in it can be added to your schedule.
Underinsurance can reduce what the policy pays. Check your values against any coinsurance condition before a loss tests them.
Update the values first, then compare valuation terms and deductibles across the market.
Also known as business property insurance, commercial building insurance and commercial real estate insurance.
Get quotes from 40+ commercial property insurance providers with Spot. Keep your broker or switch, with no commissions on premiums.
Get StartedRead these before you choose a policy or an insurer.
