List your worksites
Give us each address and what happens there. Your Spot team asks how you operate and what safety, security and maintenance practices are in place.
Juniper PropertiesOrganized by Spot
Commercial Property Insurance Quotes
Get commercial property insurance quotes with Spot
Walk your Spot team through your buildings, equipment and stock, and we prepare the submission brokers use to request property quotes.
Get quotes from 40+ commercial property insurance providers
- Worksites and property sorted by category and ownership
- Valuation, deductibles and coinsurance compared quote by quote
- Keep your broker or switch, with no commissions on premiums
How it works
Sort what you own
We help you separate the building and installed equipment from movable property and anything you hold for others, with a value for each.
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?
Brokers take it to market
We work with brokers to request proposals from property insurers, and follow up on questions about your locations.
# spot-support
TaylorJuniper Properties
What do we need to request commercial property insurance quotes?
RileySpot
Let’s prepare the information for your broker and compare the terms, not just the price.
Compare how a loss would be paid
Replacement cost against actual cash value, deductibles and any coinsurance condition are set side by side, so matching limits don’t hide different payouts.
Insurance documents
Quote requestCommercial property insurance
Buildings · Business personal property
Juniper Properties
What you’ll need
- 01
Worksite addresses and operations
Every location and what the business does there, so the quote includes each one.
- 02
Building and installed equipment
Whether you own the building, plus permanently installed equipment you want covered.
- 03
Movable business property
Furniture, computers, tools and inventory, listed by category.
- 04
Property you hold for others
Customers’ items in your care, kept separate from your own.
- 05
Property values and how you reached them
Your estimates of what each category would cost to replace, which feed valuation, limits and any coinsurance condition.
- 06
Safety, security and maintenance
Alarms, protection systems and maintenance routines at your workplace.
- 07
Current policy
Your expiring terms, so each difference in a proposal can be explained.
What affects your price
- 01
Property values
The more your buildings, equipment and stock would cost to replace, the higher the premium.
- 02
Valuation basis
Replacement-cost wording pays on a different basis than actual cash value, and it prices differently.
- 03
Deductible
A higher deductible is what you pay on a covered claim before insurance pays, and it can lower the premium.
- 04
Location and building
Where a property is and what it’s made of change how insurers see the risk of loss.
- 05
Protection and maintenance
Security, safety systems and upkeep at your workplace are part of what underwriters ask about.
- 06
Add-ons such as income protection
Lost-income coverage is a separate choice that adds to the cost.
Providers your broker can approach
Get quotes from 40+ commercial property insurance providers.
- AIG
- Alliance Risk
- Aon
- Beazley
- Berkshire Hathaway Specialty Insurance
- CFC
- Chubb
- And many more
Common questions
What is coinsurance and why does it matter?
Some property policies carry a coinsurance condition. If your property values fall short of it, underinsurance can reduce what the policy pays, so we check your values against it.
Does property insurance replace lost income?
Not by itself. Lost-income protection is a separate question, and we check it on each proposal.
Should I get a business owner’s policy instead?
A package policy can combine property with liability and business interruption for eligible businesses. Spot can take both to market so you can compare.
Does my current broker handle property quotes with Spot?
They can. Spot works alongside brokers and takes no commissions on premiums, and you’re free to change brokers at any time.
Related
Get insurance off your to-do list.
Walk your Spot team through your buildings, equipment and stock, and we prepare the submission brokers use to request property quotes.
Get StartedLearn more before you get quotes
Read these before you choose a policy or an insurer.
