Commercial Property & Casualty
We read your policy against the asset and the loan documents, place it in the market that fits the risk, and get the binder to escrow on time. Property, liability, builder's risk, executive, and specialty lines.
Lines we place
Most commercial insurance problems are structural rather than pricing problems — the wrong valuation basis, a coinsurance clause nobody modelled, or a liability tower that stops short.
Building, business personal property, and business income — written to the right valuation basis with a deductible structure you can actually absorb.
See coverage →Premises and operations liability for owners and tenants, plus professional liability where the work carries advice as well as labor.
See coverage →Ground-up and renovation coverage sized to hard cost and schedule, with soft costs and delay in completion where the loan requires it.
See coverage →Capacity above the primary tower, which is usually the cheapest limit you will ever buy relative to what it protects.
See coverage →Statutory coverage with classification and experience-modification review — where the real savings usually are.
See coverage →Owned, hired, and non-owned auto for service businesses, contractors, and property managers.
See coverage →Diligence
We will tell you whether they match — free, and usually within one business day.
Start a coverage reviewStart here
Tell us what you are insuring and where it stands. If there is a non-renewal notice or an escrow deadline, say so — those move to the front of the line.
Prefer to talk? Call or text (305) 990-2753 or email team@haymakersre.com
FAQ
Apartments and multifamily, retail and mixed-use, office, light industrial and warehouse, hospitality, and properties under construction or renovation. We also write the operating businesses inside them — general liability, workers' compensation, commercial auto, and executive lines.
Yes, and you should send them before you buy anything. Lender requirements are usually a short list of limits, endorsements, and named-insured language. The expensive mistake is satisfying them by buying a bigger policy when the correct fix is adding a specific endorsement to the one you already have.
Yes. Send the address, the purchase price or rebuild value, and the closing date. We coordinate the binder and the evidence of insurance directly with the lender and escrow so coverage is not the item holding up a funding.
Coinsurance is a clause requiring you to insure to a stated percentage of replacement value — often 80, 90, or 100 percent. If you are under that when a loss occurs, the carrier reduces the payout proportionally, including on partial losses. It is the most common way an owner discovers their limit was too low, and it is entirely avoidable at placement.
Yes, when the risk will not fit a standard admitted form — heavy catastrophe exposure, an unusual occupancy, a difficult loss history, or vacant property. E&S carriers are not backed by the state guaranty fund, so we tell you plainly when a quote is E&S and what that means before you bind.
