Coverage designed for property owners, managers, and investors.
Commercial Property Insurance serves as a foundation for managing financial exposure associated with owned or leased real estate. This type of policy provides coverage for the physical assets a business depends on to operate—addressing loss or damage that may occur from covered causes.
For real estate investors and landlords, property often represents a primary source of income.
A policy tailored for tenant-occupied or multi-unit buildings—commonly referred to as Habitational Insurance—can be structured to reflect the specific risks that accompany residential or mixed-use occupancies.
Commercial Property Coverage
Sectors Commonly Reviewing This Coverage
Organizations that maintain or oversee commercial or residential property often review Commercial Property and Habitational Insurance as part of their broader risk management strategy. These include:
- Property management companies (commercial and residential)
- Real estate owners and investors (multi-unit or mixed-use properties)
- Condominium and homeowners associations (HOA/COA)
Each entity faces distinct operational, legal, and financial considerations that may influence how insurance coverage is structured.
Related Coverages
Depending on the nature of operations, additional policies are often reviewed alongside Commercial Property coverage, such as:
- Commercial General Liability (CGL): Addresses third-party claims involving injury or property damage.
- Professional Liability (E&O): Applies to claims arising from professional services or management responsibilities.
- Employment Practices Liability Insurance (EPLI): Responds to certain employee-related claims, such as discrimination or wrongful termination.
- Workers’ Compensation: Covers workplace injuries or illnesses as required by state law.
- Cyber Liability: Applies to exposures involving tenant or business data.
Habitational Insurance: Specialized Coverage for Multi-Unit Properties
For landlords, apartment complexes, and multi-unit residential buildings, habitational insurance provides coverage tailored to tenant-occupied properties. It can include protection for loss of rents, tenant liability, and specialized risks associated with residential occupancy.
Why Choose Mason-McBride?
As an independent agency based in Michigan, Mason-McBride works with multiple insurance carriers to evaluate available options. Our role centers on:
- Reviewing how coverage structures align with client objectives and contractual obligations
- Comparing terms, conditions, and pricing across markets
- Maintaining an ongoing understanding of how property exposures evolve over time
This approach supports informed decision-making and long-term risk management planning.
Request a Proposal
Organizations seeking to review Commercial Property or Habitational coverage can complete the request form below.
Proposal Request Form
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