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Commercial Property Insurance

Surplus lines solutions for various businesses and property types.
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Tailored Solutions to Address a Variety of Property Threats

Protect your clients’ valuable buildings and business property against various hazards, including fires, storms, and theft by working with a team that can handle it all. From standard accounts to the toughest coastal risks, DeCotis Specialty Insurance offers agents access to Commercial Property Insurance solutions from AM Best A-Rated markets.

Target Classes

FOR COMMERCIAL PROPERTY

We provide our agency partners with access to Commercial Property Insurance for many types of businesses and properties including but not limited to:

  • Condominium buildings
  • Day cares, preschools, and schools
  • Dwelling schedules (with five or more locations)
  • Health care facilities
  • Hotels/motels and restaurants
  • Historical buildings
  • Lessor’s Risk Only (LRO)
  • Light manufacturing and assembly facilities
  • Parking garages
  • Religious institutions
  • Retail stores, shopping centers, and office buildings
  • Sports and recreation clubs
  • Theaters and venue spaces
  • Warehouses

Coverage Options

DeCotis offers agents access to surplus lines solutions that help protect clients’ building structures, inventory, machinery, office furniture, and more.

  • Building and Business Personal Property: Covers damage to shared structures from fire, storms, vandalism, and more
  • Equipment Breakdown
  • Business Interruption and Loss of Income
  • Debris Removal and Ordinance or Law Coverage

PACKAGE OPTIONS

  • General Liability Insurance
  • Excess and Umbrella Liability Insurance
  • Directors and Officers (D&O), Employment Practices Liability Insurance (EPLI), Crime and Fidelity Coverage

Product Highlights

To read more product highlights, please download and save the coverage sheet.

  • Available in Special Form or Single Peril Form—e.g., Fire, Flood, or Earthquake
  • Wind and Hail Only Coverage available
  • Property up to $100 million total insured value (TIV) and up to $30 million per location
  • Full Value, Primary, Quota Share, or Excess basis
  • Flexible deductible options
  • Coastal locations acceptable
An informational flyer for Decotis Specialty Insurance about commercial property insurance, featuring Commercial Property coverage highlights, coverage types, industries served, contact info, and a QR code to request a quote. The design uses orange, yellow, and white colors.
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SUBMISSION REQUIREMENTS

Download the ACORD application that best suits the needs of your client and provide three years of loss runs and any additional relevant information. Send the application to: Quotes@DeCotis.com.

A filled-out commercial general liability insurance form with sections for agency information, coverages, schedule of hazards, locations, and policy details—plus a section for Commercial Property—featuring blue and black text on a white background.
DOWNLOAD THE ACORD 125 COMMERCIAL APPLICATION
A filled-out ACORD 125 Property Section insurance form for Commercial Property, featuring sections for agency info, premises info, coverage details, mortgagee details, and additional interests, with various fields and checkboxes throughout the form.
DOWNLOAD THE ACORD 140 COMMERCIAL APPLICATION

Getting a Quote Is Simple

Select one of the following options to request a Commercial Property quote for your clients:

Get an Online Quote
Submit an Application
Contact an Underwriter

States where
we do business

States where we do business

Northeast
  • Connecticut
  • Delaware
  • Maine
  • Maryland
  • Massachusetts
  • New Hampshire
  • New Jersey
  • New York
  • Pennsylvania
  • Rhode Island
  • Vermont
Mid-Atlantic
  • District of Columbia
  • Florida
  • Georgia
  • North Carolina
  • South Carolina
  • Virginia
Southwest
  • Arizona
  • Colorado
  • New Mexico
  • Oklahoma
  • Texas

CROSS-SELL OPPORTUNITIES FOR SURPLUS LINES

Your commercial lines clients who own property may also require these products.

Lessor’s Risk Only (LRO) Insurance

Protects owners and property managers of commercial buildings against liability and property risks that may arise when leasing space to tenants and other third parties.

Learn More
General Liability Insurance

Minimizes what a business may have to pay out of pocket for third-party claims such as bodily injury, property damage, libel and slander, and personal advertising injury.

Learn More

Does DeCotis Deliver? Hear From Our Agency Partners.

The thing I love the most about DeCotis is the close-knit, family-like culture where relationships go beyond just work. With DeCotis, you’re not just another agent—you’re part of the family. Trusted expertise, personal attention, and genuine care every step of the way.
Shannon DonovanTashmoo Insurance Agency Inc
DeCotis is by far the most responsive of the carriers we work with and the most willing to work with the agents. Whether it’s simple acknowledgement on submissions, binder/invoice turnaround, or simple service requests, the service is second to none.
John DutneyBerlin Insurance Group, LLC
The DeCotis team is everything you hope for in a partner—attentive, collaborative, and always a step ahead. Their service goes beyond responsiveness; it’s the kind of relationship built on trust and a shared commitment to doing things right.
Mackenzie HanniganBayside Insurance Underwriters
We have been working with DeCotis for nearly a decade and have experienced nothing but excellent service. Their responsiveness, customer service, and expertise in the industry set them apart from other brokers. We look forward to continuing our partnership for many years to come!
Sean M. Segreve, CPCU, CIC, CISRSegreve & Hall

THE POWER OF CHOOSING DECOTIS

  • Responsive Support from Experienced Underwriters
  • Customized Coverage Options
  • Access to AM Best A-Rated Carriers
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