⚡ Bindable quote in under 5 minutes

Property insurance
without the wait.

A bindable commercial property quote in under five minutes. Coverage up to $5M — building, BPP, and more. Protect what you've built, right now.

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Up to $5M TIV

Cyber & BI available

Quotes 7 days a week

Why owners choose us

Strong where it counts.

Strength

Real limits for real buildings — up to $5M TIV on paper built to respond, not to argue.

Security

Property plus optional cyber, business interruption, and equipment breakdown — available by endorsement to close the seams a claim slips through.

Trust

Underwriters who read the whole risk, plain terms, and a bindable quote you can act on — 7 days a week.

One form

It closes the gaps before a claim finds them.

Most small commercial property policies leave you stitching endorsements together and hoping the seams hold. We align the coverages a building owner actually needs into a single form.

Building & business personal property up to $5M TIV
Cyber, business interruption & equipment breakdown available by endorsement
Wind deductible buy-down available

Modern brick and glass mixed-use commercial building on a city corner

Start now

A bindable quote in about five minutes.

Give us the building. We align the form and come back with a real number you can move on — any day of the week.

Start your quoteQUICK

Building and business personal property up to $5M in total insured value. Start your quote with DivRisk.

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No obligation. Coverage is governed solely by the issued policy.

On the form

The coverages that belong together.

Built for owners and tenants under the $5M TIV line — not scaled-down big-account paper.

Building & BPP

Your structure and contents, up to $5M total insured value per risk.

Core

Business interruption

Lost income and continuing expenses after a covered loss.

By endorsement

Cyber

First-party cyber protection available by endorsement — subject to appetite and sublimits.

By endorsement

Wind buy-down

Bring a high wind or named-storm deductible down to a level you can absorb — available by endorsement.

By endorsement

Equipment breakdown

Covers sudden mechanical or electrical breakdown of building systems and equipment — available by endorsement.

By endorsement

Flood

Flood is excluded from standard property forms but can be added — placed separately or by endorsement where available.

Available to add

Limits that fit

Structured for the sub-$5M owner, not a big account cut down.

By risk

Coverages shown are available by endorsement and subject to appetite, underwriting, and sublimits. Availability varies by risk. Coverage is governed solely by the terms and conditions of the issued policy.

People, not a rating box

Priced by underwriters who read the risk.

Behind the five-minute quote is a real team that understands buildings — construction, occupancy, exposure — and prices accordingly. When a claim comes, that same understanding is what makes the coverage hold.

Real people on the file, 7 days a week
Plain terms, no surprise at renewal

Two insurance professionals reviewing building plans and a laptop

Financial strength

Backed by carriers rated A+ or better.

Coverage is placed with insurers rated A+ (Superior) or better by AM Best — the rating agency that measures an insurer's ability to meet its obligations to policyholders.

Why it matters: an insurance policy is only as good as the carrier's ability to pay when a claim comes. A high AM Best rating signals financial stability and claims-paying strength — so the protection you buy is there when you actually need it.

Distributed by a licensed retail agency, nationwide
Placed across admitted and E&S markets to fit the risk

Property insurance
without the wait.