Office Building Insurance
Property and liability for owner-occupied and leased office space.
Who Needs It
- Office building owners
- Professional firms owning their space
- Medical office investors
What It Covers
- Property at replacement cost
- GL or LRO
- Loss of rents / business income
- Equipment breakdown for HVAC and elevators
- Umbrella
What It Does Not Cover
- Tenant contents
- Flood
- Mold beyond sublimit
Texas Notes
Older Houston and Dallas office stock needs ordinance-or-law coverage for code upgrades after a loss.
Florida Notes
Florida mid-rise office faces post-Surfside milestone inspection requirements that carriers now ask about.
Office Building Insurance Questions We Hear Most
What limits do office buildings usually carry?
Replacement cost on the building, $1M/$2M GL, and an umbrella sized to lender requirements, commonly $5M.
Related Coverage Guides
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