Question 1

Why do I need Commercial Property coverage?

Accepted Answer

Every business needs property insurance, whether it's to satisfy a lender or other interested party, protect an ownership investment, or simply provide peace of mind when life's unexpected events occur. Property insurance helps ensure that a business can recover and continue operating after a covered loss.

Question 2

What are the advantages of placing Commercial Property insurance business with ARU?

Accepted Answer

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.

Question 3

What kinds of Commercial Property are eligible?

Accepted Answer

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!

Question 4

What coverage enhancements are available?

Accepted Answer

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.

Question 5

Coverage limits?

Accepted Answer

At ARU, we pride ourselves on offering flexible capacity and creative underwriting solutions. We can consider risks requiring up to $20 million in capacity and locations with Total Insured Values (TIV) up to $200 million. Whether your client needs a primary, ground-up, or quota share solution, our underwriting team is committed to finding the right placement for the risk.

Question 6

What does Commercial Property loss control entail?

Accepted Answer

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.

Recognized for Industry Excellence

COMMERCIAL PROPERTY INSURANCE

Specialized Coverage for Commercial Property Risks

Agriculture & Agribusiness

Food & Beverage Manufacturing

Manufacturing

Warehousing & Distribution

Retail & Wholesale

Hospitality & Food Service

Specialty Commercial Property

Frequenty Asked Questions

Why do I need Commercial Property coverage?

What are the advantages of placing Commercial Property insurance business with ARU?

What kinds of Commercial Property are eligible?

What coverage enhancements are available?

Coverage limits?

What does Commercial Property loss control entail?

PARTNER & GROW WITH ARU

Browse our blog for expert loss control tips and best practices for commercial property.

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