Products

Commercial Property Insurance

The cost of IRMI application products depends on the size of your organization. The size ranges are as follows.

  • 1-9 Employees
  • 10-30 Employees
  • 31-60 Employees
  • 60+ Employees - Contact us for a quote!

To subscribe to an IRMI product, you can purchase either a single-seat license for an individual, or an unlimited group license for everyone in your organization. The cost depends on whether your firm qualifies as a "Small Business" or a "Large Business" under the definitions in the following table.

Item Individual Small Business Large Business
Users 1 Unlimited Unlimited
Agency/Brokerage Any size Under $10M Revenue $10M+ Revenue
Insurance Company Any size Under $100M Premium $100M+ Premium
Law Firm Any Size Under 10 coverage Lawyers 10+ Coverage Lawyers
Risk Mgmt. Dept. Any Size Any Size N/A
Other Organization Any Size Under 100 Employees 100+ Employees

All IRMI subscriptions are annual. Most subscriptions offer two ways to pay.

  1. Monthly: The full annual cost is broken out over 12 monthly installments that are billed to your credit card each month.
  2. Annual: Get 5% off the full annual cost if you choose a single payment billed to your credit card once per year.

Note that the monthly payment option and the subsequent 5% discount for annual payments are not available on some products.  

Commercial Property Insurance

Product type: 1 Year Subscription

Publication Date(s): 1989–2016

Update Schedule: Quarterly

Case Citations: 1,200+

Part of: Insurance Coverage Analysis Package

Discount: Prices shown include a 5% discount for choosing the annual payments option


Summary

Provides line-by-line interpretations of the most commonly used ISO forms, plus practical advice for using nonstandard and manuscript forms.

Complete, detailed, and authoritative analysis of the coverage terms of virtually every type of first-party coverage available.

Features 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.

Includes samples of all the ISO countrywide (and most state) property, inland marine, equipment breakdown, and crime forms (current editions and some past editions), a selection of AAIS forms, and the NFIP flood insurance manual.

Commercial Property Insurance includes the following.

  • Direct Damage Overview
  • Time Element Coverage Overview
  • Selecting Property Insurance Limits
  • Protecting Additional Insureds, Loss Payees, Mortgagees, and Builders Risk Insureds
  • Proximate Cause Analysis
  • Commercial Property Checklists
  • Annotations
    • Building and Personal Property Coverage Form
    • Business Income and Extra Expense Coverage Form
    • Causes of Loss Forms -- Basic, Broad, and Special
  • ISO Forms and Endorsements
  • Other Property Forms
  • Inland Marine
  • Equipment Breakdown
  • Crime
  • Package Policies
  • Commercial Property Insurance Tips

Download Table of Contents

Agents, Brokers, and Account Support Staff

  • Go beyond the pat, cookie-cutter programs most people write by using the detailed checklists, sample forms, and insightful analyses to address the less obvious but critical property, crime, and inland marine exposures for different industries.
  • Prepare superior specifications/submissions using the practical discussions of coverage alternatives.
  • Easy-to-understand explanations of standard policy provisions and countrywide endorsements help you pinpoint errors in your competitors' programs and fix coverage gaps within your own programs.
  • Provides insight and third-party support when negotiating claims disputes on behalf of your insureds or communicating the rationale behind a denial.
  • Insight and resulting technical proficiency will reinforce your insureds' and underwriters' trust and confidence in you and your staff.

Risk Managers, Financial Executives, & Insurance Buyers

  • A comprehensive, well-indexed library of sample property, crime, businessowners, and equipment breakdown policies and endorsements, along with explanations of their coverage intent, is provided for use in manuscripting special forms, auditing existing programs, deciphering proposals, negotiating claims, and making coverage requests.

Underwriters

  • Use the explanations of policies and endorsement provisions to quickly and confidently answer questions posed by brokers and your insureds.
  • These explanations and supported recommendations will strengthen client relationships.
  • Keep up with changes made in new editions of policy forms being introduced into the market.

Claims Adjusters

  • Quickly determine what unfamiliar policy and any endorsements do and do not cover with the coverage interpretations.
  • Use this insight and third-party support of your decisions and related explanations to strengthen client relationships.
  • Get up-to-speed on the intent behind exclusions with which you have not dealt before and how they may or may not apply to a particular claim.

Attorneys

  • Includes 601 case citations.
  • Current and historical ISO policy forms provide an invaluable resource for litigation involving current and past policy provisions.
  • Summaries of the drafting history and intent of each ISO property provision help you determine whether historical caselaw actually applies to the policy provision you are examining.
  • Demonstrate coverage best practices to the court to help you win your agent/broker E&O cases.
  • In absence of legal precedent, you'll have valuable insight to what the policies do and do not cover. Since IRMI is a highly respected research firm and has been quoted in critical court cases, our interpretations carry a great deal of weight.

Consultants

  • Prepare superior specifications/submissions using the practical discussions of coverage alternatives.
  • Easy-to-understand explanations of standard policy provisions and countrywide endorsements help you pinpoint errors in your clients' programs.
  • Use as support and a second opinion in your litigation consulting work.
Bonus Publication Icon

Your purchase of Commercial Property Insurance comes with access to thousands of coverage-line-specific insurance forms and endorsements promulgated by the Insurance Services Offices, Inc. (ISO), and the American Association of Insurance Services (AAIS).

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In addition, you will also get access to hundreds of ACORD forms that have been approved for use in all 50 states and are accepted by more than 1,000 companies. Using standard forms such as these increases efficiency in insurance transactions. This InfoBase includes all the ACORD forms in PDF files.

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You will also get access to the Contractor's Guide to OCIPs, a handy reference that provides guidance on 39 issues contractors should consider when accepting coverage through a wrap-up or controlled insurance program. This publication was prepared by the OCIP Task Force of the AGC of America.

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Lastly, you will receive a copy of the NFIP Flood Insurance Manual published by the Federal Emergency Management Agency. It outlines the rules, rates, and procedures for obtaining NFIP flood insurance. It also provides specimen copies of the necessary forms and is an essential tool for agents and brokers that place flood insurance for their clients.

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