Share your property list and the quotes
Send each location, your building and contents estimates, and the proposals you have, so your Spot team compares quotes against the same values.
Juniper PropertiesOrganized by Spot
Compare Commercial Property Insurance Quotes
Compare commercial property insurance quotes with Spot
Property quotes with the same limit can pay claims very differently, so Spot compares valuation, coinsurance and exclusions side by side.
Compare quotes from 40+ commercial property insurance providers
- Valuation and coinsurance terms read the same way across quotes
- Deductibles, exclusions and income coverage set out together
- Keep your broker or switch, with no commissions on premiums
How it works
We test valuation on the same item
Spot checks how each quote would value a given piece of equipment or stock, and whether your values satisfy any coinsurance condition.
Commercial property insurance
Juniper Properties · Policy review
- Policy wording
- Valuation clause
- Compare with
- Declared values
Confirm with your broker
Replacement cost or actual cash value?
Ask what a loss would look like
Tell your Spot team about a loss you’re worried about. They walk through how each quote would respond, including deductibles and income protection.
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TaylorJuniper Properties
Can you help compare our commercial property insurance options?
RileySpot
Let’s prepare the information for your broker and compare the terms, not just the price.
Choose and bind
Pick the quote whose valuation and exclusions fit your property. Your Spot team helps you bind and has proof ready for your lender or landlord.
Insurance documents
Quote comparisonCommercial property insurance
Buildings · Business personal property
Juniper Properties
What to compare
- 01
Valuation basis
Whether the quote pays replacement cost or actual cash value for the same item.
- 02
Limits against your values
How the quote’s building and contents limits compare with your own estimates.
- 03
Coinsurance condition
Whether one applies and whether your values satisfy it. Underinsurance can reduce what the policy pays.
- 04
Deductible
What you pay on a covered claim before insurance does. Compare it with the premium, not only with the limit.
- 05
Excluded causes of loss
Flood, earth movement and wear and tear, and anything else the quote carves out.
- 06
Business interruption
Whether income protection is included and what interruption triggers it.
- 07
Property away from premises
How the quote treats tools, equipment and stock in transit or off-site, and whether inland marine is needed.
Differences to watch for
- 01
Matching limits, different payouts
Replacement-cost and actual-cash-value wording lead to different claim payments for the same limit.
- 02
Coinsurance penalty
If your values fall short of the condition, a partial loss can pay less than you expect.
- 03
Income coverage assumed
A property quote doesn’t automatically include lost income, and not every closure is covered.
- 04
Items that travel
Equipment that moves between sites may need separate terms. Ask each quote how it handles them.
Providers your broker can approach
Compare quotes from 40+ commercial property insurance providers.
- AIG
- Alliance Risk
- Aon
- Beazley
- Berkshire Hathaway Specialty Insurance
- CFC
- Chubb
- And many more
Common questions
What matters most when comparing property quotes?
How each values your property and what it excludes, since those shape the claim payment. Spot compares both.
How does Spot help with values?
You share your estimates, and Spot checks how each quote’s valuation and limits relate to them.
Is a BOP a better option?
For eligible businesses a BOP can combine property with liability and income coverage. Spot can compare it with a property-only quote.
Do I need to leave my broker?
No. Your broker can stay, because Spot takes no commissions on premiums and works with whichever broker you choose.
Related
Get insurance off your to-do list.
Property quotes with the same limit can pay claims very differently, so Spot compares valuation, coinsurance and exclusions side by side.
Get StartedLearn more before you compare quotes
Read these before you choose a policy or an insurer.
