Commercial Property Insurance Ohio – Also Available in Most States.
If you are looking for Commercial Insurance for an Office Building, Shopping Mall, Retail Building with Apartments, Property Insurance for Condo Associations, Apartment Building Insurance, Insurance for Hotels and Motels, or Commercial Insurance for Warehouses you’ve come to the right place!
Call toll-free 1-800-998-0662 Monday through Friday, use our online chat system available seven days per week, or send us a request for quotes 24/7 by using any of the links below based on the specific type of necessary coverage for your business:
- Office Building Insurance
- Insurance for Shopping Centers
- Retail Store Insurance
- Apartment Building Insurance
- Condo Association Insurance
- Insurance for Hotels
- Insurance for Warehouse
Pathway Insurance is a leading Insurance Agency representing a number of insurance underwriters offering competitive rates and coverage options for Commercial Property Insurance, Liability Insurance, and Commercial Auto Insurance, including Shuttle Services, Umbrella Insurance, D & O Insurance, Earthquake Coverage, and Employee Benefits Coverage throughout the country.
You can count on Pathway Insurance when you need any type of Commercial Property Insurance in Ohio, Indiana, Kentucky, Illinois, Michigan, Wisconsin, Minnesota, Missouri, Colorado, Arizona, Alaska, New Mexico, Texas, Mississippi, Alabama, Georgia, Florida, Virginia, West Virginia and the state of Maryland.
Commercial Property Insurance Ohio & Other States — What Coverage Options Are Available?
The options for Commercial Property Insurance in Ohio and throughout the country are entirely dependent on the type of buildings being covered and the use of those buildings, which includes your liability exposures and other risk factors that may be great in number (more details included below based on type of insurance needed).
For instance, a warehouse that is currently unoccupied (vacant) and for sale does not require the same type of protection as a Hotel in use. So no matter if you are shopping for Hotel Insurance, Office Building Insurance, Insurance for Shopping Centers, Retail Store Insurance, Apartment Building Insurance, Condo Association Insurance, or Insurance for Warehouses, not only will your coverage vary but the price will correspondingly be different, as well.
So, as you are gathering insurance quotes it’s important for you to have a fair understanding of the risk factors specific to your individual business and the general acceptability or standards underwriters place upon business insurance clients. Otherwise, you may waste a great deal of your time speaking to insurance agents attempting to obtain quotes that carriers will refuse to provide.
While it is true there are hundreds of thousands of insurance agents across the country selling all types of insurance, in reality most agents have more experience selling personal insurance such as car and home insurance as opposed to business insurance.
This places you as a business owner in a bit of a precarious situation. Why?
When you seek insurance through an agent that focuses more so on personal insurance, they simply will not have the market access to the insurance underwriting carriers that are necessary to help you find the coverage you need.
In contrast, the agents of Pathway Insurance have the available markets to quickly turn around quotes and binders you need to stay in business or open your business for the first time.
In addition, we are qualified to help you understand what your business qualifies for. This will save you time in determining whether or not your business is eligible for super-preferred pricing, standard pricing, or non-standard (high risk) pricing. If non-standard pricing is your only option, read on. We will discuss this in more detail below based on lines of protection we offer.
As an agency we offer a variety of different options for Commercial Property Insurance in Ohio and throughout the U.S.
Take a few moments to review what we offer and some of the stipulations that are required.
Commercial Property Insurance Ohio — Office Building Insurance Ohio & Other States
If you own office building(s) for lease or for your own personal business, reach out to the licensed specialist of Pathway Insurance to find the best options for office building insurance in Ohio, Indiana, Kentucky, Illinois, Michigan, Wisconsin, Minnesota, Missouri, Colorado, Arizona, Alaska, New Mexico, Texas, Mississippi, Alabama, Georgia, Florida, Virginia, West Virginia and Maryland.
Additionally, you can request quotes online by clicking Office Building Insurance Ohio (works for all states).
There are three different rate level classifications for Office Building Insurance in Ohio:
- High Risk
You will pay the lowest possible rates when you qualify for Preferred Office Building Insurance in Ohio. Standard Rates are more expensive than preferred, and High Risk Office Building Insurance in Ohio will be the most expensive.
How do you qualify for Preferred Office Building Insurance in Ohio?
Let’s consider a few conditions:
- Updates must be complete on your office buildings. Updates include electrical, heating and air, plumbing, and your roof within the last 20 years (for best rate classification). Updates in some cases can mean repairs. Updates in other instances mean replaced items. Call our office to see which you would need to be repaired versus replaced.
- Must be claims-free in the last five years.
- Must have a minimum of five years’ experience/insurance.
- Building must be Sprinklered/Alarmed
- Must have on-site property management.
- Building must be built from Fire-resistant construction material.
- Brand-new construction receives the biggest discounts.
Updates are crucial with any insurance carrier. As you are searching for Ohio Office Building Insurance you need to have the following information available: The documented year in which updates were completed.
For example, if the entire electrical system was replaced in the year 2005, that must be documented. As mentioned above, you will need update information on electric, plumbing, heating and air, and furnace as a minimum.
In addition, you will need five years’ loss runs from your current insurance company.
If you are purchasing a new building you must likewise obtain the update information from the seller, and you may need to provide loss runs of other business entities in which you have a financial interest.
Keep in mind that without this information you will not qualify for preferred rates and will be forced to pay much more than necessary when shopping for Office Building Insurance in Ohio.
Insurance underwriters will not provide preferred rating when all details are not provided. In addition, they may refuse to provide quotes if you push back in any way.
Here’s the bad news: if you do not qualify for preferred rating with any of our companies, you more than likely will not qualify for preferred rating with any other company, as most underwriters have similar criteria for qualification. The rates may be different but the underwriting standards are often similar.
Call to speak with an agent for more information or click on Office Building Insurance Ohio to begin the process to determine if you qualify for preferred rating.
Commercial Property Insurance Ohio — Insurance for Shopping Center Ohio & Other States.
If you are searching for Insurance for Shopping Centers in Ohio or throughout the country, the best place to call is Pathway Insurance by dialing 1-800-998-0662.
We offer highly competitive rates on Strip Mall Insurance in a number of states.
Additionally, you can request online quotes around the clock by clicking on Insurance for Shopping Centers Ohio.
As is true for office buildings, there are three risk groups that strip malls and shopping centers fall into in terms of premium rate categories: Preferred, Standard, and High Risk.
If your shopping center has completed all updates in the last 20 years, is claims free, is not in a coastal area, ownership has a minimum of 5 years’ experience, and there are no prohibited tenants, you may qualify for preferred rating with our carrier partners.
Prohibited tenants vary by carrier partner, but may include yet are not limited to: bars, nightclubs, taverns, restaurants, and daycares, for example.
Call a Pathway agent to find out if you qualify for preferred rating or click on Insurance for Shopping Centers Ohio to begin the quote process. Quotes are available throughout the U.S.
Pathway represents a number of carrier partners offering coverage for Preferred, Standard, and High-Risk Insurance for Shopping Malls in Ohio, Indiana, Kentucky, Illinois, Michigan, Wisconsin, Minnesota, Missouri, Colorado, Arizona, Alaska, New Mexico, Texas, Mississippi, Alabama, Georgia, Florida, Virginia, West Virginia and the state of Maryland.
Commercial Property Insurance Ohio — Apartment Building Insurance Ohio & Available in Most States
There is a “good news/bad news” situation for Apartment Building Insurance in Ohio. First, the good news: we represent a national insurance underwriter offering super low rates on Apartment Building Insurance in Ohio and in 39 states.
There are naturally some conditions your Apartment Building needs to meet to qualify for this particular company. Those who qualify will find the lowest rates available for Apartment Building Insurance in Ohio and throughout the US.
One new client was able to reduce their rates by more than 70% for better coverage! Unbelievable, right?
Call 800-998-0662 to see if your apartment building complex qualifies or click Apartment Building Insurance Ohio to send us your basic information. Clicking the Ohio link will work for all other states, as well.
And now, the bad news: this is a tough class to find affordable rates. Most commercial insurance underwriters are unwilling to offer Apartment Building Insurance and the principal reason is based on the fact that claims history has been traditionally very poor on Insurance for Apartment Buildings. From fire claims caused by tenants, to dog bite claims, to slips and fall claims, to tenant vandalism, all are factors that make insurance companies avoid this class of commercial insurance like the plague.
For those few companies willing to offer Apartment Building Insurance, some will not insure you unless the building is no older than 35 to 40 years, your claims history is virtually non-existent, and, of course, all updates must be in order.
Updates mean that your roof must have been completely replaced in the last 20 years. Replaced means replaced, not just repaired or patched ( unless you have a slate or flat roof).
Electric must not include fuses, aluminum wiring, or knob and tube wiring. Your electric must be updated with circuit breakers based on the units and not use prohibited breakers. Call our office to learn which ones are not okay.
Furnaces cannot be older than 30 years if they are forced-air. Plumbing must be in good shape, with no existing leaks, patches, or poor conditions, and it must be updated within the last 30 years.
The good news, as was mentioned above, is that we are under contract with a national insurance carrier offering the lowest rates we have ever seen for Apartment Building Insurance.
Click on Insurance for Apartment Building Owners to learn whether or not you qualify for the lowest rate possible on Apartment Building Insurance in Ohio, Indiana, Kentucky, Illinois, Michigan, Wisconsin, Minnesota, Missouri, Colorado, Arizona, Alaska, New Mexico, Texas, Mississippi, Alabama, Georgia, Florida, Virginia, West Virginia and the state of Maryland.
Commercial Property Insurance Ohio —Offering Condo Association Insurance Ohio + Additional States
When looking for lower-priced options for Condo Association Insurance in Ohio or in any state throughout the country, you can trust the business agents of Pathway to help you find exactly what you need.
To speak with one of our agents call our office line: 1-800-998-0662. Or, if it is more convenient, click Condo Association Insurance Ohio to provide us with your basic information to get started.
Quotes are available anywhere in the US when you click on Condo Association Insurance Ohio.
Condo Association Insurance – The age of the buildings, the number of properties to be covered, and, of course, the updates on electrical, heating and air, roofing, and plumbing are considerable factors in determining whether or not an insurer offering Condo Association Insurance would be interested in tendering bids.
Some insurers feel uncomfortable providing more than $10 million of insurance protection for Condo Association Insurance while other carriers have no problem insuring up to $100 million in building coverage.
Does the association also have a pool or other building made available for its members? This is a factor in rating and/or acceptability by some insurers.
Claims history is also another factor. Just like a poor driver with multiple tickets and accidents would only qualify for high risk car insurance, a condo association with a number of claims will only qualify for High Risk Condo Association Insurance.
The best way to determine what rate level your Association qualifies for is to contact an agent for Pathway Insurance by dialing 1-800-998-0662 or to send us a simple request by clicking Condo Association Insurance Ohio.
Our commercial packages for Condo Association insurance in Ohio, Kentucky, Indiana, Michigan, Illinois, Wisconsin, Minnesota, Missouri, Colorado, Arizona, Alaska, New Mexico, Texas, Mississippi, Alabama, Georgia, Florida, Virginia, West Virginia or the state of Maryland are among the lowest priced for preferred accounts in the entire country.
Commercial Property Insurance Ohio — New Ohio Hotel Insurance Program — Available in Many States
No matter if you need Hotel Insurance in Ohio, Kentucky, Indiana, Michigan, Illinois, Wisconsin, Minnesota, Missouri, Colorado, Arizona, Alaska, New Mexico, Texas, Mississippi, Alabama, Georgia, Florida, Virginia, West Virginia or Maryland, Pathway Insurance can help you find what you need.
Keep in mind a few reminders about Insurance for Hotels in Ohio and throughout the country as they are listed below.
Insurance for Hotels — some insurers will not provide coverage if sprinkler systems are not updated, if shuttle service is offered, if the buildings are older than 35 years, if electric, plumbing, heating and air have not been updated, if roofing has not been updated in the last 20 years, if you provide food service, if you serve liquor, if you have a swimming pool, if your hotel is more than three stories tall, if you are located close to the beach or other large body of water subject to flooding exposures, if you refuse to properly insure your buildings, if any fire claims have occurred in the last five years, if you have had multiple claims in the last five years, or you as the owner have zero experience in the hospitality business.
Hotel owners with at least five years in business, ZERO claims in the last five years, and who have newer buildings or updates completed in the last 20 years will qualify for the lowest prices.
Click on Insurance for Hotels Ohio to begin the information and quote process. One of our agents will follow up with you within 24 hours. You can also call us at 800-998-0662, and don’t forget to use our chat system if that is more convenient.
Clicking the Insurance for Hotels Ohio link works for all other states, as well.
Commercial Property Insurance Ohio — Insurance for Warehouses Ohio – Also Available in Most States
Click on Insurance for Warehouses Ohio to start the quote process and one of our agents will follow up with you soon, or call our office by dialing 800-998-0662 Monday – Friday.
Our online chat system is also available typically up until 8 PM Monday – Friday and up to 5 PM Saturday and Sunday.
We offer super low rates on Warehouse Insurance in Ohio and across the US but not every warehouse account will qualify for best pricing.
The rate depends on a number of factors, including vacancy, age of construction, claims history, and tenant occupancy.
Vacancy rates are a BIG factor in your insurability. For example, a company that typically will insure a fully leased and occupied warehouse that includes updated electrical, plumbing, heating and air, and roofing will not insure a vacant warehouse —so specialized coverage is necessary for Vacant Warehouse Insurance.
Click Vacant Warehouse Insurance for a quote on this hard-to-find specialized coverage.
If your Warehouse is only partially leased, or you have had claims issues or your updates are not completed, you may not qualify for preferred ratings and it may be necessary for you to purchase High Risk Warehouse Insurance.
In addition, your tenants are a large factor in your insurability. Certain types of tenants may not be acceptable to companies offering the lowest rates. Our agents can help you determine what pricing structure you qualify for so it’s best to call and speak with one of our licensed agents.
Commercial Property Insurance Ohio — Great Rates and Options!
We are a leading independent insurance agency offering highly competitive Commercial Property Insurance in Ohio for Office Buildings, Shopping Malls, Single Building Retail Centers, Condo Associations, Apartment Buildings, and Warehouses through a number of insurance partners.
For quotes and information, please call 1-800-998-0662 to speak with one of our representatives or request quotes and information about this program seven days per week when you use one of the links below: