Agriculture & Agribusiness

Row Crop Farming Livestock & Dairy Operations Aquaculture & Fisheries Forestry & Logging Cotton Gins Grain Handling & Storage Seed Operations Farm Support Services

Food & Beverage Manufacturing

Animal Feed Milling & Grain Processing Oilseed Processing Dairy Products Meat & Poultry Processing Seafood Processing Bakeries Snack Foods Frozen Foods Beverage Manufacturing Breweries, Wineries & Distilleries

Textiles & Apparel Leather Goods Wood Products Paper & Packaging Fertilizer & Compost Agricultural Chemicals Metal Fabrication Machinery & Equipment Building Materials Industrial Products

Warehousing & Distribution

General Warehousing Refrigerated & Cold Storage Farm Product Storage Food & Beverage Distribution Agricultural Supply Distribution Construction Materials Distribution Chemical & Petroleum Distribution Consumer Goods Distribution

Grocery & Specialty Food Stores Farm & Garden Supply Retailers Hardware & Building Materials Furniture & Home Furnishings Pharmacies & Personal Care Retailers Fuel Dealers Sporting Goods & Specialty Retail

Hospitality & Food Service

Hotels & Motels Resorts & Campgrounds Restaurants Caterers Food Service Contractors Bars & Beverage Establishments

Specialty Commercial Property

Cold Storage Facilities Agribusiness Supply Chain Risks Veterinary Facilities Food Production Operations Industrial Processing Facilities Owner-Occupied Commercial Property

Large white industrial commercial property in a green field

COMMERCIAL PROPERTY INSURANCE

Specialized Coverage for Commercial Property Risks

At ARU, we leverage data and analytics to engineer solutions for Commercial Property risks—delivering sustainable, ground-up, primary, and lead quota share line capacity that meets the evolving needs of a broad spectrum of high-hazard occupancies.

Capacity

Our capacity limits have the flexibility to meet your evolving needs.

Underwriting Expertise

Our underwriting approach relies on data-driven risk assessment coupled with nuanced judgment in our niches.

Access

ARU's Commercial Property program is available in all lower 48 states via wholesale distribution.

Loss Control

Our advanced loss control process utilizes data gathered on our proprietary platform to help policyholders reduce the risk of loss.

Opportunities

Our broad appetite expands opportunities for brokers to deliver solutions to clients.

Our Commercial Property Solutions:

Our expertise and loss control capabilities empower us to serve more risk classifications than ever before. ARU's broker partners gain a strategic advantage to place business with higher limits across both Commercial and Agricultural Property industries.

Recently Bound Accounts:

Explore Our Commercial Property

Appetite & Rates in Action

Download our full appetite guide with NAICS codes!

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Frequenty Asked Questions

Commercial Property

The ARU advantage combines flexible capacity, specialized underwriting expertise, responsive claims professionals, and boots-on-the-ground loss control. We offer the ability to consider complex loss histories, provide primary, ground-up, and lead quota share line options, and support a diverse range of agricultural and commercial classes. Backed by quick quote turnaround and a collaborative underwriting approach, ARU delivers solutions designed to meet the unique needs of each risk.

ARU's commercial property appetite is broad in nature. We consider a wide range of risks, including agricultural operations, food production and processing, metal fabrication, warehouses, lessor's risk properties (LROs), manufacturing, retail businesses, and wholesale distributors. Whether it's a straightforward property risk or a more complex operation, our experienced underwriting team is committed to finding solutions that fit the needs of our broker partners and insureds. Consult our Commercial Property Underwriting Codes for Further Details!

ARU offers flexible commercial property solutions with the ability to consider Replacement Cost* coverage on buildings, Business Personal Property (including contents, stock, and equipment), Improvements and Betterments, Property of Others in the insured's care, custody, and control, as well as Business Income and Extra Expense coverage to help keep operations running after a covered loss. *Subject to underwriting guidelines and eligibility.

At ARU, we believe the best loss is the one that never happens. Every new policy includes a boots-on-the-ground inspection by experienced farm and agribusiness professionals who understand the unique risks facing commercial and agricultural operations. Combined with our proactive loss control approach, these inspections help identify potential exposures early and provide practical recommendations to protect property, improve safety, and support the long-term success of the business.