Real Estate Insurance

Making sure you have the correct building limits, business income and named insureds are essential in real estate.

At SCS Agency, we have the resources to help you manage risks before they happen. Whether its making sure you have the proper risk transfer when contractors are working on your building to keeping your entities operational at the time of loss, our trusted plans attack risk head on to keep you protected in every situation.

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Proactive Partners in Your Business

The insurance risks and liabilities associated with owning and investing in real estate can be extensive. Don’t find out at time of loss that you have a co-insurance issue or not all of your entities are listed on the policy.

At SCS, we are proactive partners in your business: what matters to you matters to us. That is why we do not just set you up with a plan; we help you manage the risk inherent to your entire operation that encompasses your insurance and beyond.

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Real Estate Insurance Programs

Get the insurance your business needs. We offer a number of coverages with “A” rated carriers.

  • General Liability
  • Property
  • Boiler
  • Crime
  • Environmental Liability (if required)
  • Directors and Officers (if required)
  • Employee Practice Liability Insurance (if required)
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Understanding Coinsurance

Coinsurance is a common aspect of many commercial property policies. These clauses are essentially penalties that carriers use as an incentive for policyholders to purchase coverage close to the full value of their properties. And, if businesses don’t get an accurate estimate of their property’s value or purchase enough coverage, they may not have enough funds to pay for damage after any type claim.

Coinsurance penalties can greatly limit your ability to respond to a loss, especially if an inspection finds that your property’s value is higher than you thought. Contact us today to ensure that your property insurance will protect you from any loss.

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Tips for Insurance Buyers

With the right insurance, you can reduce the risk of unexpected losses without paying for coverage that you may not need. Here are some helpful tips for purchasing the right insurance for your business:

  • Determine whether you will need to adjust your business’ retentions or limits to manage costs.
  • Gather data regarding your existing risk management techniques. Be sure to work with your insurance professionals to present the loss control measures you have in place.
  • Conduct a thorough inspection of your entities and the surrounding area for specific risk management concerns. Implement additional mitigation measures as needed.
  • Develop a documented business continuity plan (BCP) that will help your organization
    remain operational and minimize damages in the event of an interruption.
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WE'RE HERE TO HELP

We are dedicated to providing you with proactive insurance and risk management solutions.
We take pride in being independent brokers so that we can create the best plans on your behalf.

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