Commercial Property Insurance

Commercial Property

About This Product

Commercial Property Insurance provides line-by-line interpretations of the most commonly used ISO forms, plus practical advice for using nonstandard and manuscript forms.

With your subscription, you will receive:

  • Complete, detailed, and authoritative analysis of the coverage terms of virtually every type of first-party coverage available.
  • Line-by-line interpretations of the most commonly used ISO commercial property, crime, inland marine, and equipment breakdown forms, plus practical advice for using countrywide endorsements and nonstandard forms.
  • Samples of all the ISO countrywide (and most state) property, inland marine, equipment breakdown, and crime forms (current editions and some past editions), a selection of AAIS forms, and the NFIP flood insurance manual.

Individual Subscription

$35.92 per month (billed annually)

One Year Subscription

$96.12 per month (billed monthly)

Month to Month Subscription

What's included

Enterprise Subscription

Provide your entire team access to IRMI resources with a package customized to meet your needs.

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What's included

Product Description

Commercial Property Insurance includes the following topics.

  • Direct Damage Overview
  • Time Element Coverage Overview
  • Selecting Property Insurance Limits
  • Protecting Additional Insureds, Loss Payees, Mortgagees, and Builders Risk Insureds
  • Proximate Cause Analysis
  • Commercial Property Checklists
  • Annotations
  • Building and Personal Property Coverage Form
  • Business Income and Extra Expense Coverage Form
  • Causes of Loss Forms -- Basic, Broad, and Special
  • ISO Forms and Endorsements
  • Other Property Forms
  • Inland Marine
  • Equipment Breakdown
  • Crime
  • Package Policies
  • Commercial Property Insurance Tips

Benefits to You

  • Go beyond the pat, cookie-cutter programs most people write by using the detailed checklists, sample forms, and insightful analyses to address the less obvious but critical property, crime, and inland marine exposures for different industries.
  • Prepare superior specifications/submissions using the practical discussions of coverage alternatives.
  • Easy-to-understand explanations of standard policy provisions and countrywide endorsements help you pinpoint errors in your competitors' programs and fix coverage gaps within your own programs.
  • Provides insight and third-party support when negotiating claims disputes on behalf of your insureds or communicating the rationale behind a denial.
  • Insight and resulting technical proficiency will reinforce your insureds' and underwriters' trust and confidence in you and your staff.
  • A comprehensive, well-indexed library of sample property, crime, businessowners, and equipment breakdown policies and endorsements, along with explanations of their coverage intent, is provided for use in manuscripting special forms, auditing existing programs, deciphering proposals, negotiating claims, and making coverage requests.
  • Use the explanations of policies and endorsement provisions to quickly and confidently answer questions posed by brokers and your insureds.
  • These explanations and supported recommendations will strengthen client relationships.
  • Keep up with changes made in new editions of policy forms being introduced into the market.
  • Quickly determine what unfamiliar policy and any endorsements do and do not cover with the coverage interpretations.
  • Use this insight and third-party support of your decisions and related explanations to strengthen client relationships.
  • Get up-to-speed on the intent behind exclusions with which you have not dealt before and how they may or may not apply to a particular claim.
  • Includes 601 case citations.
  • Current and historical ISO policy forms provide an invaluable resource for litigation involving current and past policy provisions.
  • Summaries of the drafting history and intent of each ISO property provision help you determine whether historical caselaw actually applies to the policy provision you are examining.
  • Demonstrate coverage best practices to the court to help you win your agent/broker E&O cases.
  • In absence of legal precedent, you'll have valuable insight to what the policies do and do not cover. Since IRMI is a highly respected research firm and has been quoted in critical court cases, our interpretations carry a great deal of weight.
  • Prepare superior specifications/submissions using the practical discussions of coverage alternatives.
  • Easy-to-understand explanations of standard policy provisions and countrywide endorsements help you pinpoint errors in your clients' programs.
  • Use as support and a second opinion in your litigation consulting work.

Free Subscriber Newsletter

This valuable resource is included with your subscription at no additional charge.

Electronic Owl Newsletter

Your purchase of an IRMI reference product includes a complimentary subscription to The Electronic Owl e-newsletter. You'll receive a monthly update with links to new content and tips on how to get the most from your IRMI resources.

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