Commercial Property Insurance
We're licensed producers who broker and finance the same buildings we insure — so we read a lender's insurance requirements the way we read a loan term sheet, take the risk to the markets that actually write it, and get evidence of coverage into escrow on time. Property, casualty, business interruption, and builder's risk.
What we place
A commercial building rarely needs a single policy. It needs a property form your lender will accept, income protection when a loss shuts it down, and liability underneath it — all priced against the same risk. We place the full program through admitted, specialist, and excess and surplus lines markets and match each piece to the exposure.
Buildings, tenant improvements, and contents insured to replacement cost and structured the way a lender requires — agreed value where it matters, coinsurance handled, and catastrophe perils like flood, wind, and quake placed standalone when the base form excludes them.
Income and rent protection when a covered loss stops operations. We set the indemnity period to how long recovery really takes — not a round number — and add extra expense so a rebuild doesn't drain cash flow.
Ground-up projects and major renovations, from groundbreaking to certificate of occupancy. This is the coverage a construction lender checks line by line — hard costs, soft costs, and the timing clauses that decide whether a claim pays.
General liability, umbrella and excess limits, and the professional and management lines an operating risk carries — sized to the assets you're actually protecting, not a default quote.
See the full coverages we place, including executive, cyber, and the luxury residential & estates practice.
Lender & escrow
Most deals don't stall on price — they stall on paperwork. A lender's insurance requirements arrive late, the evidence of coverage names the wrong entity, the loss-payee or additional-insured language doesn't match the loan documents, and suddenly a funded closing is waiting on an endorsement. Because we live on both sides of the transaction, we read those requirements early, quote to them exactly, and have the ACORD certificates and endorsements in escrow's hands before they're the thing everyone's waiting on.
When a risk is coastal, vacant, value-add, or otherwise won't fit a standard carrier, we go straight to the specialist and excess and surplus lines markets that write it — rather than burning a week collecting declinations. The goal is simple: bound coverage that satisfies the lender, on the closing timeline the deal actually runs on.
How it works
STEP 0130 MIN
Send your declarations pages and the lender's insurance requirements. We read limits, exclusions, valuations, and exactly what escrow will need — free and confidential.
STEP 02THE MARKET
Your risk goes to the admitted, specialist, and E&S desks that actually write it — not whatever a single carrier happens to sell.
STEP 03BOUND
We negotiate alongside you, get the certificates and endorsements to escrow, and stay on it through binding, renewals, and claims.
"Insurance shouldn't be the thing that kills a closing, a renewal, or a refinance. Our job is to make sure it never is."
Start here
A deal in escrow, a renewal coming up, a builder's-risk policy to bind, or a program you haven't stress-tested in years — send the basics. Response within one business day.
Prefer to talk? Call or text (305) 990-2753 or email team@haymakersre.com
FAQ
It covers your building, tenant improvements, business personal property, and lost rental income from a covered loss, and can add catastrophe perils like wildfire, wind, and flood. We tailor limits to your property and lender requirements.
Yes. We place binders quickly and coordinate directly with lenders and escrow so insurance will not delay your closing. Commercial property coverage that will not delay your closing is exactly what we do.
Yes. We review the lender's insurance requirements and issue evidence of coverage and the required endorsements so escrow can close on time.
Yes. We review your current policy for free, benchmark limits and deductibles, flag gaps, and take it to admitted, specialist, and excess and surplus markets.
Call or text (305) 990-2753 or email team@haymakersre.com. Haymakers is a licensed insurance producer in California (#4348309) and Florida (#G083894).
