Plain-English guides to how the coverage actually works — what's covered, what it costs, and how to get it right. Written for buyers, not other insurance people.
What the policy covers, how the forms differ, and where the gaps are.
The clauses that decide how much you actually get paid.
Which disasters are covered, which are carved out, and how to fill the gaps.
The peril-by-peril guide: wildfire, hurricane, flood, earthquake, and more.
Why the wind number is calculated differently — and how it bites.
Why flood is excluded and how to add it.Coming soon
What drives price, and how to buy the right policy.
Practical measures that reduce loss and improve how underwriters see your risk.
Wildfire, wind, kitchen fire, water — the protections that reduce loss and improve insurability.
Defensible space and hardened construction.Coming soon
Ansul systems, hood cleaning, and more.Coming soon
Coverage for buildings up to $5M in total insured value — building and business personal property, with optional coverages available by endorsement.
Get my quoteRequest a quote online, or talk it through with a specialist who knows the commercial property market. Coverage placed with A+ (Superior) or better rated carriers.