Office Building Insurance
Property, liability, and umbrella for office towers, suburban buildings, and portfolios.
By Dan Wentz, commercial real estate insurance broker · Updated
Office is getting underwritten by headline right now.
Carriers read the same return-to-office stories you do, and a well-run building can get priced like a distressed one just for sharing the sector. That's a presentation problem, and presentation problems can be fixed. We put the occupancy, the life-safety record, the capital improvements, and the tenancy in front of underwriters properly, then market the account so the price reflects your building rather than the sector's reputation.
Who this is for
Built for accounts like yours
Coverage
What we structure
Property
Building, rents, and tenant-improvement exposure with a valuation you can defend at claim time.
General liability
Premises liability for lobbies, common areas, garages, and everyone who walks through them.
Umbrella / excess
Excess towers sized to what your lender and your leases demand.
Vacancy & repositioning
Vacant-building and builders risk solutions for assets in renovation or lease-up.
Tools & guides
Tools and guides for this asset class
Free tool
Coinsurance Penalty Calculator
Free, no email required: a coinsurance clause cuts every claim, not just a total loss, when the limit trails replacement cost. See the exact payout on your loss, the penalty across loss sizes, and what it takes to cure the gap, plus the margin clause that replaces it on blanket programs.
Run your numbersGuide
Replacement Cost Value Guide
Why your limit should be built on what it costs to rebuild, not what the building would sell for, how that number is calculated, and how a stale one shrinks every claim under a coinsurance clause.
Read the guideGuide
Certificate of Insurance Guide
What a COI does and doesn't do, additional insured endorsements, and a checklist for reviewing the certificate a contractor hands you.
Read the guideFAQ
Common questions
Does vacancy raise my office premium?
It can. Vacant or partially vacant space changes both the property and the liability picture, and most policies carry vacancy provisions that quietly cut coverage once occupancy drops far enough. We present occupancy and security accurately and place the account with markets that underwrite repositioning office instead of reflexively declining it.
Can you cover a building under renovation?
Yes. A major tenant build-out or repositioning typically gets a builders risk or course-of-construction layer alongside the property program, structured so nothing falls in the gap between your coverage and the contractor's.
How large of an office portfolio do you handle?
Accounts from roughly $50,000 in annual premium and up, whether that's one tower or a multi-state office portfolio.
Coverage described on this page is a general summary, not a quote, coverage recommendation, or offer of insurance. Requesting a quote doesn't bind coverage. Terms, exclusions, and availability vary by carrier, state, and property, and only the policy actually issued determines coverage. Insurance is placed through producers licensed in the state where the property is located.
Free renewal review
Talk to a office specialist
We'll reply within one business day with when to start marketing it and what to have ready. Built for accounts with $50,000+ in annual premium.
- A second set of expert eyes on your program, free.
- Marketed to the carriers that actually want your risk.
- No obligation, fully confidential.
Book 20 minutes or call (205) 999-4884