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Commercial Inspections

In order to fully deliver on the promise to protect our policyholders in the event of a catastrophe, we believe it’s important to inspect all of the properties we insure. 

What to Expect from your Commercial Inspection

In order to fully deliver on the promise to protect our policyholders in the event of a catastrophe, we believe it’s important to inspect every insured property. Within 30-60 days of coverage going into effect, an inspector from ICAT, a third-party inspection vendor, or an aerial inspection will take place.

Our inspector will reach out to you with a courtesy call about your inspection. If we cannot get a hold of you, we will choose a date for the inspection. If you cannot make it, we are often still able to inspect the risk without you there. For many businesses, we will inspect during the business “open” hours, and for others, we may inspect the building characteristics from the outside. Please note that for certain types of properties such as schools, banks, daycare centers, etc., we will require a scheduled appointment for the inspection.

man with hard hat and clip board

Frequently Asked Questions

Usually, the inspection is used to verify specific building characteristics, including:

  • General building condition
  • Square footage
  • Construction type
  • Roof type, cover and age
  • Parking type
  • Exterior cladding

Additional coverages may warrant looking for different things, including:

  • Location of closest fire hydrant
  • Fire extinguishers
  • Smoke detectors
  • Fire alarms
  • Sprinkler systems

Tools and Resources

Check out our blogs, download brochures, watch videos and more.