Commercial Property Insurance

Commercial property insurance rates in California have been fairly stable over the last few years but their are a number of factors that can affect your premium.  The age and condition of your structure will play a roll but other factors will weight into the calculation.  Ordinance and Law will dictate the codes that your structure must comply with in a given county.  These laws very widely depending on if you are based in Los Angeles, Orange, Riverside or San Diego.  For instance if you are in Los Angeles county and have a loss of 51 percent of your structure you may be forced to demolish the entire structure to comply with new building codes.

Selecting the proper coverage for your investment is key to protecting your assets.  We use all of the tools available to insure that our clients are receiving the most comprehensive and appropriate coverage available for the particular commercial property.  Annual policy review are a key component to making sure that your property is adequately insured and that new laws and ordinances are covered under your California commercial property policy.  We have specific companies that fit specific property risks, let us know how we can help you.

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Building Types:

Office Buildings and Complexes


Hotel & Motel

HOA and Condo Associations

Vacant Building


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We help our clients reduce expenses while maintaining or improving their over all insurance coverage.

  • Average Reduction in Premium 10-20%
  • We work for you
  • Reduce time managing insurance programs
  • Identify Coverage gaps
  • Risk analysis

Why work with Timothy R. Pine Insurance Services:

  • Generations of Insurance Experience
  • Choice -Admitted A Rated Carriers
  • Dedicated account manager
  • 4 Hour turn around on certificates
  • Loss prevention program
  • Workers Comp Claims Management
  • Personalized Risk Assessment
  • 98% Client Retention rate