Portfolio property
All buildings on one schedule, often with a blanket limit.
Business Insurance
Commercial real estate insurance for portfolios.
One building is a policy. Several buildings is a programme, and the difference shows up in how a large loss is paid.
Investors holding multiple commercial properties benefit from being insured as a portfolio rather than as a collection of separate policies. Blanket limits, consistent terms and a single renewal date make the programme easier to manage and usually produce better outcomes at claim time.
Blanket limits and schedule accuracy
A blanket limit applies across the schedule rather than being fixed per building, so a loss at one property can draw on the full limit. That is valuable precisely where individual values have been underestimated.
It only works if the schedule is accurate. Values, construction, occupancy and protection details drive both premium and payment, and an out-of-date schedule undermines the blanket advantage it was bought for.
What it covers
The parts of a commercial real estate insurance policy
Premises liability
Injury claims across every property you own.
Loss of rents
Rental income across the portfolio after a covered loss.
Umbrella
Extra limits above the primary, which lenders frequently require.
Working with us
What we do differently
We are an independent agency, so we place your commercial real estate insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Keep the property schedule current — blanket limits depend on it
- Align renewal dates across the portfolio to simplify management
- Check lender insurance requirements before closing on an acquisition
Common questions
Commercial Real Estate Insurance, answered
Should I insure properties together or separately?
A portfolio programme with a blanket limit is usually better: one renewal, consistent terms, and a limit that can respond fully to a loss at any single property.
What is a blanket limit?
A limit that applies across the whole schedule rather than being fixed per building. It protects against individual values being underestimated, provided the schedule itself is accurate.
Do lenders impose requirements?
Almost always — specified limits, named mortgagee wording and sometimes umbrella cover. Check the loan documents before closing, since arranging cover late can delay completion.
Related cover
Often arranged alongside this
Office Building Insurance
You insure the structure, the common areas and the rent. The tenants insure everything they brought with them.
Read moreLessors Risk Insurance
You own the building, someone else runs the business inside it. What your tenants do changes your risk more than the building does.
Read moreApartment Owners Insurance
A multifamily building is a property risk and an income stream at once. Losing the second usually hurts more than repairing the first.
Read moreReady for a commercial real estate insurance quote?
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