Commercial Real Estate Insurance
Coverage Built for Complex Properties
Commercial real estate carries risks standard policies weren’t designed to handle. Whether you own a single office building or a portfolio of mixed-use properties, Lanco Brokerage builds customized programs that match your specific asset types, tenancy mix, and liability exposure.
What Does Commercial Real Estate Insurance Cover?
A comprehensive CRE insurance program addresses the full range of exposures commercial property owners and investors face — from physical damage to liability and loss of income.
- Building and structural damage from fire, wind, and covered perils
- General liability for injuries on your property
- Ordinance or law coverage for code-compliant rebuilds
- Vandalism, theft, and malicious mischief
- Loss of rental income during covered repairs or vacancies
- Equipment breakdown and mechanical failure
- Flood and earthquake coverage (endorsement or separate policy)
- Umbrella and excess liability for larger portfolios
Related Coverage Options for Property Owners
More Than a Policy — A Partner for Your Portfolio
Choosing the right commercial real estate insurance broker matters as much as choosing the right policy. With more than three decades of hands-on experience, Lanco Brokerage brings deep local knowledge and carrier relationships that national brokers can’t match.
- 35+ years serving businesses and property owners
- Same-day certificates of insurance available
- Bilingual service in English and Spanish
- Independent broker — we shop multiple carriers on your behalf
- Licensed specialists who understand your industry
- Programs built for portfolios, not just single properties
talk to an insurance specialist
Get expert guidance from licensed insurance professionals who understand your unique needs. We’re here to help you find the right coverage—fast. Call us today to get started!
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Understand Your Coverage
Already a client? Unsure what your policy includes? Get a clear breakdown of your current coverage, exclusions, and options for updates or changes.
Get a Competitive Quote
We can help you find the right policy and potentially lower your premiums. Let us shop for you and show you what you're missing!
make a claim
When the unexpected happens, our claims support team is here to guide you every step of the way. We work with you to handle your claim efficiently.
Online Resources for CRE Investors
Staying informed about carrier requirements and insurance regulations in your market is an important part of responsible property ownership. The New York Department of Financial Services (NYDFS) oversees insurance carriers and policy requirements for commercial properties in New York. Property owners operating in New Jersey should review the NJ Department of Banking and Insurance (DOBI) for applicable regulations. For industry benchmarks, risk management best practices, and commercial real estate insurance trends, the International Risk Management Institute (IRMI) is a leading authoritative resource widely referenced by CRE investors, brokers, and risk professionals. They have dedicated coverage of Commercial Property exposures, policy forms, and coverage checklists.
1.) What types of commercial properties does Lanco Brokerage help insure?
Our commercial real estate insurance programs cover a wide range of property types throughout the US, including office buildings, multi-family residential properties (5+ units), mixed-use buildings, retail centers, warehouses, and industrial properties. We also build programs for investors holding diversified portfolios across multiple asset classes.
2.) How does being an independent broker benefit commercial property owners?
As an independent broker, Lanco Brokerage is not tied to any single insurance carrier. This means we can shop your account across multiple admitted and surplus lines carriers to find the most competitive terms and pricing for your property type and risk profile. We work for you — not for the insurance company.
3.) Can Lanco Brokerage help insure commercial real estate portfolios with multiple properties?
Yes. We can design portfolio-level commercial real estate insurance programs that cover multiple properties under a single, coordinated structure. This approach often yields better pricing, consistent coverage terms, and simplified certificate management compared to insuring each property separately. Contact our team to discuss your portfolio’s specific composition and needs.
4.) Does commercial real estate insurance cover loss of rental income?
Yes. Rental income or business interruption coverage can be added to your Commercial Property policy to replace lost rent while your building is being repaired after a covered loss. This is particularly important for investors whose cash flow depends on consistent rental income from tenants. Coverage limits should reflect your actual rental income to avoid underinsurance.
