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Smart Property Insurance for High-Value Commercial Risks
Understanding Large Commercial Property Insurance
Large commercial property insurance is designed to protect high-value buildings, equipment, inventory, and business assets against covered losses such as fire, theft, vandalism, and other unforeseen events.
Unlike standard property policies, large property solutions require higher limits, detailed risk analysis, and customized structures to address the unique exposures associated with complex commercial operations and large portfolios.
At UPIX Insurance, we tailor each program to match the scale and risk profile of your investment.
Comprehensive Coverage Solutions for Large Risks
High-value properties often require more than basic protection. Depending on your risk profile, coverage structures may include:
❋ Property Damage ProtectionCoverage for buildings, machinery, inventory, and physical assets against covered perils.
❋ Business Interruption CoverageProtection against income loss and operating expenses if a covered event disrupts operations.
❋ Equipment & Systems ProtectionCoverage for breakdown or failure of critical machinery and building systems.
❋ Risk Modeling & Loss AnalysisAdvanced CAT modeling and risk evaluation to structure appropriate limits and deductibles.
Our Large Property Insurance Solutions
Standalone Large Property Programs
Ideal for small to mid-size enterprises and growing commercial portfolios.
✔ Coverage capacity up to $500MM TIV
✔ Primary, Excess, and Quota Share structures
✔ Broad acceptance of commercial occupancies
✔ Flexible deductible options
✔ CAT modeling and risk reports available
✔ Typical premiums starting around $75K
⚠ Limited appetite for flood, earthquake, and Tier 1–2 CAT windstorm risks
Open Market Solutions for Larger Portfolios
Designed for complex and high-value commercial risks exceeding standard program capacity.
✔ Capacity exceeding $500MM TIV
✔ Flexible primary and excess coverage structures
✔ Broad commercial occupancy acceptance
✔ Advanced CAT modeling and underwriting analysis
✔ Minimum premiums typically starting around $250K
What We Need to Deliver Fast, Accurate Quotes
To ensure efficient underwriting and competitive pricing, please prepare:
• ACORD 125 & 140 forms
• Policy effective date and quote deadline
• Target premium (if available)
• Statement of Values including COPE data
• Roof, HVAC, Electrical & Plumbing updates (if over 15 years old)
• Five-year loss runs (preferred)
• Details for losses exceeding $50K
For heavy industry risks:
If inspections are unavailable, site photos and risk management guidelines are required.
Why Choose UPIX Insurance for Large Property Coverage?
✔ High-limit insurance capacity
✔ Customized coverage structures
✔ Fast turnaround quoting
✔ Specialized underwriting expertise
✔ Multilingual service (English, Spanish & French)
✔ Online and in-office client support
Get in Touch
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How It Works-
Browse our upcoming events to find the one that feels right for you. We host events year-round in all different locations and climates.
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Sign up and pay all required fees to reserve your spot. If plans change, you can cancel up to 14 days before the retreat start to receive a 50% refund.
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After booking, we'll send you a Welcome Packet with everything you need to know—detailed schedules, packing list recommendations, add-ons to consider, and more.
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We'd recommend booking your transportation to and from the event as soon as possible, to ensure you can arrive without any complications or delays.
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Now all that's left to do is pack your bags and get excited for your new adventure.