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Category Focus

Commercial Property

Hone Your Commercial Property Insurance Expertise

Commercial property insurance encompasses a variety of coverage types that insure the unique risks and exposures associated with different types of property. Understanding the scope of coverage in each type of policy and knowing where modifications are needed is crucial to ensuring all risks are adequately addressed.

IRMI analyzes these policies to explain coverage nuances, identify potential coverage gaps or limitations, and offer suggestions where appropriate for modifications.

Featured Expert Commentary

Property Insurance

Insurable Interests and Interests Insured in Property Insurance

December 12, 2023 | William K Austin

Property Insurance

Responding to the Current Underinsurance Problem

July 15, 2022 | Linda G Robinson

Time Element

Quantum of Loss: Understanding Bias in Business Interruption Claims

August 18, 2021 | Daniel Torpey

Property Insurance

Commercial Property Policies Generally Cover Loss Due to Riots

July 03, 2020 | Linda G Robinson

Featured Subscription Resource

Commercial Property Insurance

Access line-by-line interpretations of the most commonly used ISO commercial property, crime, inland marine, and equipment breakdown forms, plus practical advice for using countrywide endorsements and nonstandard forms. Your subscription also includes includes analysis and recommendations for treating nonstandard coverage lines, such as builders risk, inland marine, and commercial output.

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Additional IRMI Resources

Comprehensive solutions to help you answer questions quickly and correctly

Property Hyperpolicies

Special versions of policy forms designed to facilitate coverage interpretation of the most essential ISO commercial property forms.

Cancellation Guide

A tool to help insurance and risk management professionals keep up with state laws that pertain to cancellation or nonrenewal of an insurance policy.

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Insurance Checklists

An easy-to-use checklist to assist insurance buyers, risk managers, agents, consultants, and brokers in developing insurance programs to respond to the unique loss exposures of any client.

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The Builders Risk Book

Delivers an understanding of the laws governing builders risk insurance, knowledge of the risk exposures and contract requirements that must be satisfied, and specific advice for structuring the best coverage terms.

Claims Operations: A Practical Guide

Provides a comprehensive overview of how the claims process is handled, controlled, and managed and its interrelationship with other functional departments.

How To Draft and Interpret Insurance Policies

Guides you step by step through the process of interpreting or crafting policy language, from applying a basic coverage analysis to understanding advanced coverage issues.

Subscribe to IRMI Update

Stay in the know about the latest trends, discover practical risk management tips, and get insight on important case law with this free e-newsletter.

Set Up Your Free IRMI Account

Your free IRMI account provides access to additional content including the following reports. Set up your account today

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101 Common Commercial Lines Coverage Gaps To Avoid

Avoid losing a client or facing an errors and omissions claim by identifying these common coverage gaps.

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50 Insurance Cases Every Attorney or Risk Professional Should Know

Review the most interesting, influential, and vital property-casualty insurance coverage cases, along with insightful analysis on the implications of those decisions.

50 Reinsurance Cases Every Risk Professional Should Know

This report analyzes the top 50 most important and noteworthy reinsurance coverage cases and their implications.