Insurance Requirements

COI Requirements by Property Type

Every commercial property type has unique insurance requirements for vendors and tenants. Explore coverage guides tailored to your portfolio.

Office Buildings

Class A, B, and C office properties including high-rises, suburban office parks, and mixed-use office spaces.

Shopping centers, strip malls, power centers, and lifestyle centers with multiple retail tenants.

Warehouses, distribution centers, flex spaces, and light manufacturing facilities.

Apartment complexes, garden-style communities, mid-rise and high-rise residential buildings.

Properties combining retail, office, and residential uses — often with ground-floor commercial and upper-floor residential.

Medical offices, outpatient clinics, dental practices, and ambulatory surgery centers.

Hotels, motels, resorts, and extended-stay properties with complex vendor relationships.

Climate-controlled and standard self-storage facilities, including boat and RV storage.

Understanding the key insurance coverages required for commercial property compliance.

Covers third-party bodily injury and property damage claims arising from operations on the premises.

Covers medical expenses and lost wages for employees injured on the job. Required by law in most states.

Covers vehicles used for business purposes, including liability for accidents involving company-owned or hired vehicles.

UMB

Provides additional liability coverage above the limits of underlying GL, auto, and WC policies.

E&O

Covers claims arising from professional errors, omissions, or negligent advice — also known as Errors & Omissions.

PROP

Covers damage to tenant-owned improvements, inventory, and business personal property within leased spaces.

SmartCOI tracks insurance requirements across every property type — from upload to compliance verification to renewal reminders. Try it free.