Commercial Property (Building)

• Structure, roof, exterior walls, and common areas
• Building systems: plumbing, electrical, HVAC, elevators
• Fixtures, appliances, and landlord-owned contents in common areas
• Replacement Cost or Actual Cash Value valuation - choose based on building age
• Ordinance or Law coverage for code-required upgrades after a covered loss

Arizona's diverse building stock, including many older structures, makes Ordinance or Law coverage especially important - after a covered loss, local code requirements can significantly increase repair costs.

General Liability

• Tenant or visitor bodily injury in common areas, stairwells, and parking
• Property damage you or your employees cause to others
• Personal and advertising injury (libel, wrongful eviction allegations)
• Satisfies Arizona minimum liability requirements
• Required for rental registration in many municipalities

Slip-and-fall claims are common in Arizona's rental properties, especially during monsoon season. Limits of $1M/$2M are standard; larger buildings or those with amenities should carry more.

Loss of Rents (Business Income)

• Replaces rental income while the building or units are uninhabitable after a covered loss
• Covers the restoration period - from damage through inspection and re-occupancy
• Arizona market rents: factor current averages into your limit
• Particularly valuable for multi-family buildings where a single event can displace multiple households

With Arizona's rental market dynamics, setting an appropriate loss-of-rents limit is crucial to ensure financial stability during repairs.

Flood Insurance

• Excluded from all standard commercial property policies - requires a separate policy
• NFIP (National Flood Insurance Program) or private market options
• Covers building structure and foundation from flood-related water damage
• Arizona risk factors: monsoon flooding and flash floods
• Private flood can offer higher limits and faster claims than NFIP

We assess parcel-level risk for your building's address using FEMA Flood Maps and local flood indicators to ensure adequate coverage.

Commercial Umbrella

• Adds $1M - $10M+ of excess liability above your GL and other underlying policies
• Activates when a judgment or settlement exceeds your underlying policy limits
• Covers the same perils as underlying GL - bodily injury, property damage, personal injury
• Often required by commercial lenders and mortgage holders on larger buildings

For multi-unit Arizona buildings with high tenant density, umbrella coverage is a cost-effective way to protect against high-severity claims.

Equipment Breakdown

• Sudden mechanical or electrical failure of covered systems
• Boilers, HVAC systems, elevators, electrical panels, and central cooling
• Repair or replacement costs not covered by standard property policies
• Business income loss from a covered equipment breakdown

Older Arizona buildings with aging mechanical systems are particularly exposed. A breakdown can generate both repair costs and tenant displacement claims.

Workers' Compensation

• Required by Arizona law for any building with employees (super, maintenance, cleaning staff)
• Medical bills and lost wages for employees injured on the job
• Protects the building owner from employee lawsuits over workplace injuries
• Covers slip-and-fall, lifting injuries, and equipment-related incidents

If you employ a super, porter, or maintenance staff - even part-time - Arizona law requires workers' comp. Non-compliance can lead to significant fines.

Hired & Non-Owned Auto

• Covers liability when employees drive personal vehicles on building business
• Applies to supers or maintenance staff picking up supplies or driving to the property
• Fills the gap left by personal auto policies, which exclude business-use liability

Essential if any employee or contractor drives their own vehicle on your behalf across Arizona.

Rental Property Registration

Many Arizona municipalities require rental properties to be registered annually. Registration often necessitates proof of current insurance and compliance with local housing codes. Failure to register can result in fines and prevent the owner from collecting rent.

Certificate of Habitability

Before any tenant can legally occupy an Arizona rental unit, the property must meet local health and safety standards. After a covered loss, the property may need to be re-inspected before re-occupancy, extending the loss-of-rents period.

Arizona Minimum Liability Requirements

Arizona law requires rental property owners to carry liability insurance with minimum limits. Proof must be filed with the municipality annually. Most insurers recommend higher limits to ensure adequate protection.

Lead Paint Disclosure

Arizona's older housing stock means lead paint disclosure obligations apply to many rental properties. A lead-related illness claim can generate significant liability exposure. Confirm your GL policy responds to lead claims.