Blog · Owner Resources
Owner Resources
commercial property insurance guides in owner resources, written and reviewed by Nate Jones, CPCU.
- Owner Resources
What Your Property Manager Should (and Should Not) Do About Insurance
Managers should run the evidence file, vendor checks and first notice of loss. Coverage decisions stay with the owner. Where to draw the line, in writing.
- Owner Resources
Sale of a Commercial Building: The Insurance Cutover Nobody Coordinates
Two policies must meet at one instant when a building changes hands: the seller’s side, the buyer’s binder, the overlap, and the gap nobody plans for.
- Owner Resources
Rebuild Decisions After a Total Loss: What the Policy Answers and What It Doesn’t
After a total loss the policy has already settled some questions and left the rest to you. The owner’s decision order, and which choices close others off.
- Owner Resources
Non-Renewal in Commercial Property: What It Means and What to Do
A non-renewal notice is not a cancellation and it is not a verdict. What the notice obliges the insurer to do, and the owner sequence that follows it.
- Owner Resources
When to Add a Named Insured, When to Add an Additional Insured
Two designations, two different questions. Which one an entity needs on your policy, what first named insured really does, and what each choice costs.
- Owner Resources
Adding Your First Commercial Building: The Insurance Onboarding Sequence
Insurance on a first acquisition happens at four moments, not one. What each stage needs, and why a conversation that starts at closing is already late.
- Owner Resources
Where to Look for Insurance-Friendly Commercial Buildings
Insurability is a building feature, not a location. The construction, roof, protection and occupancy facts that make a structure easy or hard to place.
- Owner Resources
The Loss Run: What It Says About Your Building and Who Reads It
A loss run is your carrier’s own claims record. What each column means, why two copies disagree, and how an underwriter reads it at renewal.
- Owner Resources
Reading Your Own Policy: The Declarations Page and the Two Pages Nobody Reads
The declarations page is the policy in summary. How to read it line by line, plus the two provisions behind it that decide what a claim actually pays.
- Owner Resources
Reading a Commercial Building’s Insurance History Before You Buy
The five insurance documents a buyer can ask a seller for, what each one actually tells you, and what a seller can legitimately decline to hand over.
- Owner Resources
Owner-Financed vs Traditional Mortgage: What Each Wants on the Insurance Side
A bank and a seller carrying paper ask for different insurance documents. What each wants, why the lists diverge, and what makes either one enforceable.
- Owner Resources
Hot-Zone Purchases: Coastal, Wildfire, and Wind — What Owners Read Before They Bid
The public records that answer a carrier’s peril questions on a coastal, wildfire or wind-exposed building — and how to read them before you make an offer.
- Owner Resources
The Certificate of Insurance vs the Policy: Why the Certificate Is Not Coverage
A certificate is evidence a policy existed the day it was issued — not a contract, not a coverage grant. What it proves, and the endorsements behind it.
- Owner Resources
Vacancy on Your Own Terms: Owner Actions Before the Coverage Clause Bites
The vacancy clock starts on the building, not on your intentions. The owner actions that keep an empty unit insured, in the order they should happen.
- Owner Resources
First Mixed-Use Deal: What Insurance Actually Asks For
The questions an insurance submission puts to a first-time mixed-use buyer, why each one has the shape it does, and which answers change the placement.
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