Commercial Real Estate Insurance
Protect your property investment from a wide range of risks, including property damage, liability claims, and income loss
Safeguards for Multifamily Housing
Your commercial real estate properties can face any number of threats: damage from natural disasters, accidents, tenant disputes, liability claims, and more.
Manna Insurance will help you find the right coverage to protect against these events and safeguard the substantial financial investment in your property. We will make sure that your income streams remain stable, even during unforeseen setbacks.
So what coverage do I need?
Coverage That Suits Your Commercial Property Needs
Property Insurance
This is the big one. Property insurance covers your commercial buildings and structures. So, if there's a fire, a burst pipe, or any physical damage to your property, this coverage helps you repair or rebuild.
Liability
Commercial properties can be bustling places with lots of visitors. Liability insurance protects you if someone gets injured on your property or if your property causes damage to someone else's.
Loss of Income
Sometimes, disaster strikes, and your property becomes temporarily unusable due to damage. Loss of income coverage steps in to make up for the rent you're losing during the downtime.
Equipment Breakdown
Commercial properties often have vital systems like HVAC, elevators, or industrial equipment. If these break down, equipment breakdown coverage helps with repairs or replacements.
Crime Coverage
Theft and vandalism can happen, even in the best neighborhoods. Crime coverage helps you recover losses from thefts and cover repair costs.
Customizations
The beauty of commercial real estate insurance is that it's customizable. We can help you tailor a policy that fits your specific properties and risks. Whether you own office buildings, retail spaces, or warehouses, we’ll find coverage that suits your needs.
Ways to Save on Commercial Real Estate Insurance
Put safety measures and risk reduction strategies in place at your property. This can include things like installing security systems, fire sprinklers, and safety features, which can all lead to lower premiums by demonstrating a reduced risk of claims.
Implement Safety Measures
We will obtain quotes from multiple insurance providers specializing in commercial real estate insurance. We can then help you compare coverage options, deductibles, and premiums to find the most cost-effective policy that meets your property's unique needs.
Shop & Compare
Periodically review your commercial real estate insurance policy to ensure it accurately reflects your property's value and needs. Adjust coverage levels and deductibles as necessary to align with your property's current condition and financial objectives.
Review Regularly
Frequent Questions About Commercial Real Estate Insurance
Insurance can be complicated and confusing. We’re here to help answer your most common questions about commercial real estate insurance coverage.
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Commercial real estate insurance is a specialized insurance policy designed to protect property owners, landlords, and property managers from various risks and liabilities associated with commercial properties, such as office buildings, retail spaces, and warehouses.
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Yes, commercial real estate insurance is essential even if your property is vacant. It provides coverage for risks like vandalism, theft, and property damage that can occur when a property is unoccupied.
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While commercial real estate insurance is not typically required by law, it is often a requirement in lease agreements and contracts with lenders. Additionally, it is considered a prudent financial decision to protect your investment.
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Loss of income coverage, also known as business income or rental income insurance, helps replace lost rental income if your commercial property becomes temporarily uninhabitable due to a covered event, such as a fire or natural disaster. It ensures you can continue to meet financial obligations during the property's repair or restoration.
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Flood insurance is typically not included in standard commercial real estate insurance policies. It is a separate coverage that must be purchased if your property is located in a flood-prone area. Assess your property's flood risk and obtain flood insurance if necessary.
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Liability protection in commercial real estate insurance covers legal claims and lawsuits that may arise from accidents, injuries, or property damage that occur on your commercial property. It shields you from the financial consequences of such claims.
More Coverage Options
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Business Insurance
Safeguard your business with tailored insurance solutions to keep your operations running smoothly.
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Life Insurance
Secure your legacy with comprehensive life insurance solutions for you and your family.
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Apartment Complex Insurance
Protect your apartment complex from a wide range of risks, including property damage, liability claims, and income loss
Kind Words from Our Customers:
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Ciarra Flint
★ ★ ★ ★ ★
Kyle and Jen are incredible! They walked me through the whole process and were so patient with all of my questions and fully explained everything to me! Thank you so much!
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AJ Johnson
★ ★ ★ ★ ★
The entire staff at Manna Insurance is personable and professional. Rare these days. We are very satisfied with our new policies. We highly recommend Manna!
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Emily Kooistra
★ ★ ★ ★ ★
Last year my home suffered some roof damage due to wind storms. Daniel and Kailey were quick to offer help in any way. Both went above and beyond in communicating with the insurance company to ensure that I was taken care of quickly and efficiently. I would highly recommend Manna Insurance to my family and friends!
Welcome to the Family
As a Manna Insurance customer, you are not just a number to us. We see you as part of our family and all that goes with being part of the #MannaFam.