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Commercial Property


Polaris Risk Management & Insurance Services has a comprehensive commercial real estate insurance “package” program that is written specifically for property owners and/or managers and supported by A.M. Best “A” rated carriers. Our program is ideal for the property classes listed below:

  • Apartment Complexes

  • Homeowners Associations/High-rise Condominiums

  • Warehouses/Light Manufacturing/Distribution Centers

  • Industrial Parks

  • Office Buildings

  • Retail Strip Centers/Shopping Centers

  • Self Storage Facilities

  • Mixed Use Projects

Policy- At-A-Glance

Our policy form is arguably the broadest in scope of coverage on the market while still delivering extremely competitive rates. We are able to provide earthquake protection on many of the buildings we look at, at rates far below the “open market”.
Coverage includes:

  • Full Replacement Value

  • Building Ordinance/Increased Cost of Construction/Demolition and Debris Removal

  • Elimination of Co-Insurance Clauses

  • Extended Period of Indemnity on Loss of Rents (Extended 12 months after Certificate of Occupancy is Issued After a Covered Loss)

  • Boiler and Machinery Equipment Breakdown

  • Coverage Expanded to Include Fences, Signs, Underground Pipes, Paved Surfaces, Glass

  • Earthquake Sprinkler Leakage

  • Non-owned and Hired Automobile Coverage

  • Lead, Asbestos, Formaldehyde Legal Liability

  • Up to $75 million Excess General Liability policy (optional)

Areas of Specialty

In addition to our property program, we offer our clients support in:

  • Wrap-ups

  • Course of Construction (COC)

  • Owner Controlled Protectives (OCP)

  • Environmental “Brown Dirt” Exposures

  • Construction Defect Insurance

  • Wind in “Tier-One” Areas

  • Mold/Fungus

  • Vacant Buildings

  • Undeveloped Land

  • Foreign Risk (Outside of the U.S.)

  • Flood

  • Earthquake (“Shock Only” or on a “Difference in Conditions” policy form)

  • Terrorism

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