Commercial Property
For A&E and construction firms, your property is more than just an office—it’s where your high-end computing power, expensive plotting equipment, and sensitive project archives live. While we aren’t facility managers, we help you access the technical loss-control expertise provided by our carrier partners to harden your physical and digital workspace against fire, theft, and natural disasters.
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Our role is to connect you with specialized resources that protect your firm's tangible assets and ensure that a localized property loss doesn't lead to a total business shutdown.
1
COPE Data & Risk Evaluations
Through our carrier relationships, we facilitate property surveys focused on the four pillars of property underwriting: Construction, Occupancy, Protection, and Exposure (COPE).
These evaluations help you:
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Identify fire protection gaps, such as sprinkler adequacy for high-density storage or server rooms.
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Assess your building's resilience to regional threats like wind, flood, or seismic activity.
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Modernize safety systems based on NFPA standards to potentially reduce premium costs.
2
Business Interruption & Continuity Planning
A fire or pipe burst doesn't just damage desks; it halts billable hours. We provide access to "Business Income" calculators and continuity templates tailored for professional service firms.
We help you access guidance on:
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Recovery Time Objectives (RTO): Estimating how long it would take to restore your CAD/BIM environments and resume operations.
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Extra Expense Coverage: Planning for the costs of relocating to a temporary office or cloud-hosting your local server data.
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Supply Chain Resilience: Analyzing the property risks of key vendors or subconsultants that could delay your own project delivery.
3
Equipment & Specialized Asset Protection
From high-accuracy GPS surveying gear to 3D printers and high-spec servers, your equipment is mobile and high-value. We connect you with resources to track and secure these assets.
Access tools for:
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Inventory Management: Templates for documenting serial numbers, purchase dates, and replacement values.
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Field Equipment Protocols: Best practices for securing valuable gear in vehicles or on job sites.
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Theft Prevention: Guidance on GPS tracking and "Smart" security systems for office and field assets.
4
Valuation & Appraisal Support
Inflation and rising construction costs mean many firms are unknowingly underinsured. We help you access professional valuation resources to ensure your limits match today's reality.
This includes reviewing:
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Replacement Cost vs. Actual Cash Value: Understanding the financial impact of your policy's valuation clause.
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Ordinance or Law Coverage: Factoring in the cost of meeting new building codes during a rebuild.
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Electronic Data Processing (EDP) Limits: Ensuring your digital project data and specialized software licenses are fully accounted for.
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Start your coverage with experts who understand your industry.