Retail & Shopping Center Insurance
Property and liability for strip centers, power centers, and multi-tenant retail portfolios.
A multi-tenant center concentrates liability in exactly the places you control: the parking lot, the sidewalks, the common areas. Tenants turn over; the slip-and-fall exposure stays yours. So the program has to carry that premises risk, keep tenant certificates of insurance current so their gaps never become your loss, and still satisfy the lender. If the center sits in wind or hail territory, the property side needs real CAT structure on top. We build all of that into one program and then make carriers compete for it.
Who this is for
Built for accounts like yours
What we structure
Property
Building and rents with catastrophe structure for wind, hail, and coastal exposure.
Premises liability
Slip-and-fall, parking-lot, and common-area exposure, underwritten for how multi-tenant retail actually operates.
Umbrella / excess
Excess limits for high-traffic centers and lender requirements.
Tenant insurance tracking
COI and CAM compliance so an uninsured tenant's loss doesn't land on the owner.
Common questions
Who's liable for parking-lot injuries at my center?
You are, mostly. The owner carries premises liability for common areas, and the parking lot counts even when it's a tenant's customers using it. We structure the GL and umbrella around that reality and help you enforce tenant insurance requirements so the risk gets shared the way the lease says it should.
Do you track tenant certificates of insurance?
Yes. We help set the insurance requirements in your leases, then track the certificates against them. An expired COI you discover after a loss is the most expensive piece of paper in real estate.
How large of a retail portfolio do you handle?
Roughly $50,000+ in annual premium, from one center to a multi-state retail portfolio.
Other programs
Get started
Talk to a retail & shopping centers specialist
Send us the current program, or just the renewal date. We'll tell you whether the structure, the pricing, or the coverage can be beaten. Built for accounts with $50,000+ in annual premium.
- A second set of expert eyes on your program, free.
- Marketed to the carriers that actually want your risk.
- No obligation, fully confidential.