Commercial property insurance
Review the underlying building and business property protection to which the deductible applies.
Commercial Deductible Buy-Back for Wind, Hail and Earthquake
Get back part of a large wind, hail or earthquake deductible on your commercial property. We request quotes for you.
Our commitment
Committed to doing insurance right, and doing it fast. Our vision: every property and project properly covered in minutes, with every rule followed.
Eight brokers, one team
Our eight brokers work together as one Menlo team, so you can reach a person who understands your account.
Independent brokerage
We hold appointments with multiple carriers, so the quote is shopped rather than served from one shelf.
Review the part of a loss your business must retain
Deductible reimbursement supplements a commercial property policy. The review connects the primary wind, hail or earthquake deductible with the amount you want to retain.
Start with the primary policy
Keep the exact wind, hail, named storm or earthquake deductible wording available. The supplemental protection follows the applicable primary policy terms.
Keep amounts and percentages distinct
Provide the current deductible and requested retained amount in the correct units, together with the insured values used to calculate them.
A covered loss still matters
Reimbursement depends on a covered primary policy loss and the supplemental policy's terms. It does not replace the primary property insurance.
What to have ready for the review
- Your current commercial property policy
- The applicable wind, hail, named storm or earthquake deductible
- A schedule of the locations to include
- The amount you want to retain after a covered loss
Keep different property protections distinct
Equipment breakdown
Sudden mechanical or electrical failures need a different coverage review from a wind or hail deductible.
Gather a schedule for every property
- Location and property use
- Construction and building age
- Roof type and updates
- Building and contents values
- Primary insurer and policy
- Coverage dates and expiration
Questions we get asked
Does this replace my property policy?
No. It is supplemental coverage tied to a covered loss under the primary policy. Both policies' terms, conditions and exclusions matter.
Can it buy back an earthquake deductible?
Yes. One program buys back part of the earthquake deductible for a commercial building, and it asks about the building's construction, the year it was built, how many stories it has and whether it has a soft story.
Is this equipment breakdown insurance?
No. Equipment breakdown is a separate coverage. This intake concerns reimbursement of a commercial wind, hail or earthquake deductible.
Does completing the form put coverage in force?
No. The form collects information for review. Availability, terms and any binding requirements still need to be confirmed.
Review your coverage options.
A licensed broker can review eligibility and policy terms with you.