Commercial Real Estate Insurance

Cox Insurance Services offers customizable business insurance that reflects the unique characteristics of your buildings.

Whether you own or manage a warehouse, an industrial park, a retail strip center or an office building, our Commercial Real Estate insurance can help protect you from the risks you face as a commercial real estate owner.

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Your Commercial Real Estate Insurance Options Explained

While your day-to-day operations are complex, understanding business insurance doesn’t have to be. There are coverage options available to protect just about every aspect of your business from employee injury to natural disasters. Some insurance is required by law and others by business associates, such as lenders and landlords. Obtaining the right type and amount of insurance for your business will help you avoid gaps in coverage where you need it most.
We don’t put our Real Estate risks in insurance “pools” or “master ” policies. These types of policies are inferior in many ways. There are many agencies and programs that will write your property and liability insurance on a Master Insurance policy that shares coverage with hundreds of other properties. Our competitors “master” policies can extend to cover many states that are subject to their local disasters. These policies subject your rates to claims from other non-related properties. Also, the Umbrella Liability is watered-down when you insure on a master policy.

A Cox Insurance Services package policy
can provide coverage for:

Employment Practices Liability

Covers your business if discrimination, sexual harassment or wrongful termination claims are made by present, former or future employees.

Property Insurance

Funds repairs or replacements for damaged physical assets when disasters like vandalism, fire, windstorms, or hail strike.

Liability Insurance

Protects against financial losses resulting from claims of injury or property damage caused by you or your employees and your products or services.

Business Crime Insurance

Protects against fraud, theft, forgery or robbery.

Business Income Coverage

Also known as Business Interruption Insurance, allows you to continue to receive income while your business is being restored. It not only helps you to cover expenses needed to keep a business operating after a loss, but it also helps you to replace lost revenue.

Cyber Liability and Data Breach

Provides coverage for privacy breach response services and expenses incurred to notify parties affected by a security breach, including fees and costs related to hiring a company to operate a call center, and reimbursing you for post-event credit monitoring costs for victims of breach.

Tailor your coverage with these additional insurance endorsements, coverages and policies:


Shields your business from potentially ruinous lawsuits with additional liability coverage.

Workers’ Compensation Insurance

Satisfies your employees’ medical needs in the event of an accident or disease and make a quick return to work possible, while removing lawsuit potential by current or former employees.

Business Auto Insurance

Gets you on the road again quickly after an accident and ensure your business is protected against losses from injuries to other drivers, passengers and pedestrians for which you and your employees are liable.

Equipment Breakdown

Pays for direct damage and resulting loss of income caused by or resulting from covered equipment breakdown.

Ordinance or Law

Covers the cost to demolish and remove debris of undamaged parts of the building and the increased cost to repair, reconstruct or remodel damaged or undamaged parts of the building to comply with a building ordinance or law.

Earthquake Sprinkler Leakage

Pays for direct damage to Covered Property caused by the leakage of water from sprinkler heads or feed pipes resulting from an earthquake or volcanic eruption.

Guaranteed Replacement Cost

Building pays for repair or replacement of the building(s) at the described premises when replacement cost exceeds the policy limit and the terms of the Guaranteed Replacement Cost endorsement are met.

Business Income from Dependent Properties

Provides coverage for the actual loss of Business Income due to the necessary suspension of operations because of direct physical loss to a scheduled dependent property.

Hired and/or Non-owned Auto

Pays for Bodily Injury or Property Damage arising out of the maintenance or use of a hired automobile in the course of business by you or an employee, or the use of a non-owned automobile in the business by any person other than the insured.

It’s important to remember your organization has specific needs which may change over time

As a Commercial Real Estate owner, you will encounter challenges that require coverage to help you keep your business intact should an unexpected loss happen. Contact us for a customized insurance quote for your individual business needs. Because the more you know, the better you can plan for what’s ahead.

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