Property & real estate Coverage for the places you manage

Explore Commercial Property, property-owner General Liability, Landlord Insurance, Short-Term Rental Package, Commercial Earthquake, and the Community Association Package. Builders Risk and Owner’s Interest Liability address construction-related needs.

Commercial Property covers eligible buildings at replacement cost and can include an elected limit for furniture, equipment, and stock. Business income and extra expense, water backup, and increased ordinance or law coverage are optional. Coverage depends on the selected limits, covered causes of loss, exclusions, and conditions. The product starts with a single commercial building; additional locations require review, and wind coverage does not apply at unscheduled locations.

This CGL product is for apartment owners and shopping-center lessors, not general small-business operations. It covers eligible third-party bodily injury and property-damage claims. Defense costs count toward the policy limit, reducing the amount left for settlements and judgments. Apartment deductibles also apply to defense costs. Shopping-center eligibility includes tenant uses, occupancy, and property-management requirements.

No. The Community Association Package excludes California wildfire through an attached policy endorsement. This restriction is specific to that package; the separate Wildfire Liability offering should not be assumed to cover an association's property losses.

Commercial Property offers wind and hail deductibles of 1%, 2%, 3%, 5%, or 10% of insured value, with a $25,000 minimum. Association terms depend on community type and location. Condo and co-op wind deductibles are percentage-based in wind-exposed states; where a flat-dollar wind deductible is offered for an HOA, townhome, or master association, the minimum is $5,000. Your quote and policy specify the applicable deductible.

The insurer and placement arrangement depend on the product. Corgi offers coverage from its own carriers and through broker placements. Your quote and policy identify the issuing insurer and applicable terms.

Pricing uses the information in your application, and some submissions require underwriting review or additional documents before a quote or coverage can be confirmed. Commercial Property and Community Association applications may need further review. An application or quoted price does not start coverage; check the binder or issued policy for confirmation and the effective date.

No. The grid includes separate products as well as named packages. Landlord Insurance is one product family, including rental-dwelling and portfolio inquiries; it does not imply one policy automatically covers every location. Package contents, eligible properties, limits, and terms depend on the selected product.

Availability depends on the product, property location, occupancy, and underwriting review. Ask Corgi to confirm eligibility for each location. An inquiry or quote is not confirmation that coverage has started.

Property policies can be changed mid-term by endorsement, subject to review and the policy terms. Request changes to insured property, limits, or named parties before assuming they are covered. Ask Corgi for the right service contact. For claims, follow the reporting instructions in your policy documents.

• Property addresses, uses, unit counts, and replacement values
• Construction, building and roof ages, renovations, and fire protection
• Five years of loss history, current policies, and renewal dates
• Lender requirements and, for associations, governing documents and shared-property responsibilities