Tool · Property limits

Are you insured to value?

Most commercial property policies have a coinsurance clause. Insure below the required percentage of replacement cost and the insurer can shrink even a small claim. Put in your numbers and see.

Estimated payout$0

You should carry at least$0

You carry0%

Coinsurance penalty$0

Limit that avoids a penalty$0

Payout = (limit you carry ÷ limit you should carry) × loss − deductible

An estimate for renewal conversations only. Actual settlement depends on the policy wording, valuation basis and endorsements, and is decided by the insurer.

Have us check your limits→

Before renewal

Keep your limit honest.

Building costs move every year. These are the things underwriters ask about, and the ones that quietly push you under.

An up-to-date replacement costCost per square foot times area, from an appraisal or a valuation tool, not the purchase price.

Anything added since last yearAdditions, tenant improvements, a new roof, new equipment bolted to the floor.

Code upgrades and demolitionRebuilding to current code and clearing debris can add a lot. Check whether they're included.

Soft costsArchitect, engineering, permits and project management on a rebuild.

Protection changesSprinklers, monitored alarms, updated electrical and plumbing. They help the rate.

Vacancy or a change in useEmpty or repurposed buildings are underwritten differently. Tell your broker early.