The form is produced, not retyped
The property section is generated from the account file we built from your documents.
Commercial Property · Illinois
Illinois properties with older construction, coastal locations, or poor protection classes are considered.
Cennairus is a licensed wholesale insurance broker: retail agents send us the accounts their own markets cannot place, stay the agent of record, and we take each account to the markets on our panel of 145 carriers that write it. A commercial property policy insures a building and its contents, underwritten on COPE: construction, occupancy, protection and exposure. Total insured value decides which market takes it, and the valuation basis decides how a loss is paid. Cennairus places the buildings a BOP will not take: send the building, the values and the loss history.
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The building, the values and the loss history. That is enough to start.
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The property section is generated from the account file we built from your documents.
Construction, protection class and values are settled before a market is approached.
Your client, your renewal, your relationship.
Settled monthly on what we place for you.
A statement of values, the expiring declarations page, an inspection report, loss runs — whatever exists.
Those four are what a property underwriter reads, and they decide which markets are even worth approaching.
A licensed broker takes it to our appointed markets and comes back with a quote, an underwriting review, or a decline.
Who buys it: landlords and lessors of commercial buildings; owners whose account outgrew a package; manufacturers and warehouses with real values at one location; habitational and mixed-use owners; buildings in coastal and wind-exposed counties; vacant or partly tenanted buildings between uses.
Worth knowing
| Commercial Property | Business Owner’s Policy | Builder’s Risk | |
|---|---|---|---|
| What it insures | Finished building, contents and business income, underwritten on its own | The same exposure inside a simplified package alongside liability | A structure during construction or renovation |
| When it is the right policy | Values, construction, occupancy or losses outside package eligibility | A main-street risk inside published package eligibility | Any project with materials on site and a completion date |
| What underwriting asks for | Statement of values, COPE detail, deductible structure, loss runs | Class, square footage, construction, protection class, revenue | Contract value, schedule, site security |
| Key difference | Property alone is bought when the building is the problem; the package when it is not | Builder’s risk ends at the certificate of occupancy | |
Yes. Illinois is one of the states we work. Send the account and it is measured against every market with appetite for it in Illinois.
Construction, occupancy, protection and exposure — what the building is made of, what happens inside it, how it is protected and what surrounds it.
When class, total insured value, construction, occupancy or loss history falls outside a package market’s published eligibility.
Yes, as an assisted placement.
Yes.
Both are separate policies and both are placed here.
You keep your commission on business we place for you, reconciled and settled monthly.
A statement of values, the expiring declarations page and the loss runs.