Real Estate Insurance

Protecting Commercial Properties and Investments

If you own or manage commercial property in Massachusetts, you’re dealing with more than just buildings. You’re managing risk tied to tenants, maintenance, liability, and long-term value.

We see this all the time. Properties are insured, but the coverage doesn’t fully match what’s actually at risk.

What We See All the Time

• Buildings not insured to current replacement cost

• Liability limits that are too low

• Gaps between landlord and tenant responsibilities

• No commercial umbrella coverage 

Most people don’t realize these issues until there’s a claim.

Coverage That Actually Matters

Property Insurance
Protects the structure and physical assets.

General Liability
Covers injuries or accidents on the property.

Loss of Rental Income
Helps if units become uninhabitable.

Umbrella
Adds additional liability protection above standard limits.

Common Mistakes

• Not updating property values over time

• Assuming tenant policies fill coverage gaps

• Not reviewing coverage as properties change

If you own or manage property, small gaps can turn into expensive problems quickly.

If you want to make sure your coverage actually reflects your property and risk, LBP Insurance can walk through your current policy and help you identify anything you might be missing.