Commercial Real Estate Insurance
Commercial Insurance Second Opinions for Real Estate Owners
Values, occupancy, acquisitions, and lender requirements change faster than most insurance programs. Groundline organizes what’s changed across your portfolio into the Groundline Brief so it’s ready for a second look before renewal.
Simple intake. No obligation. Built for commercial property owners.
01/What changes
Your portfolio changes. Your insurance program should keep up.
Commercial real estate insurance is typically built around a snapshot of the portfolio. As properties and plans shift, a commercial real estate insurance review is a way to check whether the program still reflects what you own and operate today.
Property values
Building values and replacement costs as markets and construction costs move.
Occupancy
Vacancy levels, tenant mix, and how each property is used.
Building improvements
Renovations, upgrades, and capital projects completed or underway.
Acquisitions
Properties added to the portfolio and how they join the program.
New developments
Ground-up projects you plan to own and operate once complete.
Geographic concentration
Where properties sit and how much value is clustered in one area.
Catastrophe exposure
Wind, hail, flood, wildfire, and earthquake considerations by location.
Liability exposures
Common areas, amenities, and tenant and visitor activity on site.
Lender requirements
Insurance terms, limits, and evidence your loan documents call for.
Loss history
Recent claims and how the portfolio’s loss record has changed.
Business income
Rental income and operating revenue tied to each property.
Umbrella / excess
How liability limits line up with lender, tenant, and portfolio needs.
02/Timing
When a second look makes sense
Many property owners take another look ahead of a commercial property insurance renewal, but it can make sense whenever the portfolio changes.
- Approaching renewal
- Acquiring a property
- Selling or refinancing assets
- Significant valuation changes
- Portfolio growth
- Renovations or redevelopment
- Changing occupancy
- New lender requirements
- Expanding into new states
- Concerns about pricing
- Concerns about service
- Recent loss activity
- Changing catastrophe exposure
- Wanting another perspective
03/Process
How it works
- 01
Tell us about the business.
A few basics, what’s changed, and what you want a second look at.
- 02
Groundline prepares your Groundline Brief.
We organize what you shared and note your renewal timing. Groundline doesn’t collect insurance documents, give insurance advice, or review your coverage.
- 03
If your request moves forward.
Any insurance review is performed by an appropriately licensed professional who identifies themselves and their firm first. What you do next is your decision.
04/Audience
Who it’s for
Owners, investors, and owner/operators of commercial property, including real estate investment firms, private real estate companies, developers who retain ownership, and senior housing, student housing, and manufactured housing communities.
- Multifamily
- Industrial
- Retail
- Office
- Mixed-Use
- Hospitality
- Self-Storage
- Medical Office
- Commercial Landlords
Considering a second look at your real estate insurance program?
There is no cost to submit a request through Groundline, and doing so doesn’t obligate you to change anything.
Start a Second Look
Tell us about the business.
A few basics and what’s on your mind — that’s the whole first step. If your request moves forward, Groundline follows up on next steps. Best suited for real estate and construction firms with meaningful commercial insurance programs.
What happens next
- 01Submit the basics — Groundline organizes the request.
- 02Groundline prepares your Groundline Brief and notes your renewal timing.
- 03If your request moves forward, any insurance review is performed by an appropriately licensed professional who identifies themselves and their firm first.
If your request progresses to a licensed insurance conversation, the appropriately licensed insurance professional or brokerage handling it will identify themselves and their firm before quoting, placement, binding, or other licensed insurance services are discussed.