Commercial Insurance for Owners of Commercial Buildings

About Commercial Property Owner Insurance (Lessors Risk)

Owners of commercial buildings face lessors risk general liability for tenant and visitor injuries, commercial property coverage for the building and common areas, and the employment practices and workers comp needs of a commercial landlord operation.

Business Insurance Brokers places commercial insurance for owners and operators of office buildings, retail shopping centers, industrial buildings, mixed-use commercial properties, and other nonresidential real estate. Operators of nonresidential buildings (SIC 6512) is a our carrier class with BOP eligibility. We cover lessors risk general liability, commercial property, loss of rental income, equipment breakdown for building systems, and workers comp for maintenance staff. We serve commercial property owners across Washington, Oregon, Idaho, Nevada, Arkansas, South Dakota, Pennsylvania, Texas, Indiana, and California.

Key Coverages

Unique Risks & Coverage Considerations

Commercial building owners face tenant and visitor injury liability, property damage to owned structures, loss of rental income from covered losses, and equipment breakdown for elevators, HVAC, and building systems. Large properties may require umbrella limits above $1M.

As an independent broker, we shop the entire commercial market — including specialty and surplus lines carriers that write difficult-to-place risks. Our carrier markets rates many of these classes as Preferred, meaning consistent underwriting capacity and competitive pricing. We present you with the best available options for your specific operation, location, and loss history.

States We Serve

We place commercial insurance for California businesses in Los Angeles, San Francisco, San Diego, Sacramento, San Jose, Fresno, Long Beach, Oakland, Bakersfield, Anaheim and statewide — alongside our existing markets in Washington, Oregon, Idaho, Nevada, Arkansas, South Dakota, Pennsylvania, Texas, Indiana, and California.

Why Choose Business Insurance Brokers?

We are 100% focused on commercial insurance — no personal auto, no homeowners policies, no distractions. That means deeper expertise, stronger carrier relationships, and better outcomes for your business. When you work with us, you get a dedicated commercial broker who understands your industry.