682794 Road 68, Thamesford, ON, Canada
Commercial Insurance for Realty & Property Owners
Coverage Designed Around the Properties You Own and Manage
Owning and leasing property comes with exposures that go far beyond bricks and mortar. Tenant liability, property damage, fire losses, vacancy concerns, and mixed‑use occupancies can all create significant financial risk if coverage is not properly aligned.
Whether you own residential rental buildings, office properties, or commercial spaces with retail tenants, your insurance should reflect the structure of the building, the type of occupants, and how the property is used — not a generic policy.
We provide commercial insurance solutions tailored specifically to property owners, ensuring coverage aligns with your real estate portfolio, tenant mix, and operational responsibilities.
Coverage Designed to Fit Your Realty Portfolio
Real estate portfolios evolve — tenants change, buildings are renovated, occupancies shift, or new properties are acquired. We take the time to understand your ownership structure and ensure your insurance coverage continues to reflect your actual property exposure.
Coverage Built Around Property Ownership Risk
Property owners face different exposures than contractors, retailers, or professional service businesses. Your realty insurance program may include:
- Property insurance for buildings, outbuildings, and common areas
- Commercial General Liability for premises liability and third‑party injury claims
- Loss of rental income coverage following a covered insured loss
- Equipment breakdown coverage for boilers, HVAC, and building systems
- Owner’s risk coverage where applicable
We ensure your insurance reflects the type of building you own, who occupies it, and how it is used, reducing the risk of coverage disputes or gaps.
Why Property Owners Trust Us
✔ Experience with residential, commercial, and mixed‑use realty classes
✔ Clear alignment between building use and policy structure
✔ Coverage that accounts for tenant mix and occupancy limits
✔ Competitive markets familiar with property ownership risk
✔ Ongoing reviews as tenants or building use changes
Realty Operations We Can Insure
We offer insurance for a broad range of building ownership classes, subject to underwriting review and applicable guidelines. Coverage is structured to reflect construction type, occupancy mix, tenant activity, and risk exposure.
Residential Rental Properties
Coverage is available for owners of residential rental buildings, including:
- Low‑rise apartment buildings (10 storeys or less) with residential units and limited mercantile occupancy
- Apartment houses with incidental commercial or retail space, where mercantile use remains within prescribed limits
- Townhouse complexes owned as rental properties (non‑condominium) with no commercial occupancy
- Residential one‑ or two‑family dwellings, including single‑family homes and duplexes insured on an owner’s‑risk basis
Policies are designed for rental ownership rather than owner‑occupied dwellings or condominium associations.
Office Buildings
We insure owners of low‑rise office buildings (10 storeys or less), including:
- Single‑tenant office buildings, leased entirely to one organization
- Multi‑tenant office buildings housing professional and business tenants
- Buildings with incidental retail or café space, typically located on the ground floor and limited in scope
Coverage reflects office occupancy risk and tenant liability requirements while excluding industrial or manufacturing operations.
Commercial Buildings with Retail & Service Tenants
Insurance is available for owners of commercial properties containing mercantile occupancies, including:
- Single or multi‑occupancy commercial buildings leased to retail or service tenants
- Strip plazas and small retail complexes with multiple storefronts
- Buildings with incidental office or residential space, where retail remains the primary exposure
Policies are structured to reflect tenant variety, customer foot traffic, and shared common areas while maintaining appropriate limits on restaurant and service occupancies.
Mixed‑Use & Specialized Ownership Structures
We also insure property owners with more specialized ownership arrangements, including:
- Apartment buildings with permitted mercantile tenants
- Condominium townhouse buildings insured on a building‑owner basis
- Multiple‑occupancy retail buildings where tenants carry their own liability insurance
Coverage focuses on building ownership risk rather than tenant operations, helping ensure clear separation of responsibility.
Coverage Designed to Fit Your Realty Portfolio
Real estate portfolios evolve — tenants change, buildings are renovated, occupancies shift, or new properties are acquired. We take the time to understand your ownership structure and ensure your insurance coverage continues to reflect your actual property exposure.
Protection Built for Property Owners
👉 Request a quote or speak with me today to review your Realty & Property Ownership needs and receive a customized insurance quote.
Charlene Dury, Insurance Advisor - Heartland
682794 Rd 68, Thamesford, ON, Canada
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