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🏢 Protecting Your Business

Protecting the Places That Power Your Business

Whether you own a single office, manage multiple buildings, or lease space to tenants, your property is a critical business asset. We provide tailored commercial property insurance that helps you recover quickly from fire, theft, weather events, vandalism, or equipment damage—so you can stay focused on running your business.

At AEC Insurance Services, we work for you—not the insurance companies. We compare options from leading carriers like Travelers, explain your choices clearly, and help you find the right fit for your location, coverage needs, and budget.

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Image by Charles Forerunner
Residential Buildings

🧱 Coverage Highlights

  • Building Coverage – Rebuild or repair your structure after fire, storm, vandalism, etc.

  • Business Personal Property – Protects furnishings, inventory, equipment, and supplies

  • Loss of Income / Business Interruption – Covers lost revenue and operating expenses while repairs are made

  • Equipment Breakdown – For HVAC, refrigeration, computers, or other systems

  • Tenant Improvements & Betterments – Protects upgrades you’ve made to leased spaces

  • Outdoor Fixtures – Signage, fencing, landscaping, etc.

  • Replacement Cost or Actual Cash Value – We’ll walk you through the difference and what works for your risk profile

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🏬 Property Types We Insure

  • Office buildings

  • Retail centers and storefronts

  • Industrial parks

  • Warehouses & storage facilities

  • Multi-tenant commercial and residential properties

  • Mixed-use buildings

  • Medical and dental offices

  • Religious and cultural facilities

  • Restaurants and cafes

  • Vacant or seasonal commercial properties

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🔒 Optional Enhancements

  • Flood and Earthquake Coverage

  • CA FAIR Plan & Wrap Coverage (for hard-to-insure or wildfire-risk zones)

  • Ordinance or Law Coverage – For rebuilding to current codes after a loss

  • Debris Removal & Pollution Clean-Up

  • Utility Services Interruption – Extends coverage to off-premises service losses

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💡 Why Work With a Broker?

We’re not tied to one carrier—we work with multiple companies and compare rates, terms, and underwriting guidelines on your behalf. You get:

  • Transparent recommendations

  • Access to E&S (excess & surplus) markets when needed

  • Strategic layering for higher value assets

  • Dedicated account service from professionals who know your account

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🙋 Frequently Asked Questions

What’s the difference between replacement cost and actual cash value?
Replacement cost covers what it costs to rebuild or replace new. Actual cash value deducts depreciation. We’ll help you decide what’s appropriate for your needs.

Do I need coverage if I lease my space?
Yes—tenants are often responsible for insuring their own improvements, equipment, and business contents. Your lease may require specific coverage.

Can I insure a vacant building?
Absolutely. We work with markets that can handle vacant or seasonal properties with proper underwriting.

What if I own multiple buildings?
We can consolidate them under a single policy or help you decide when separate coverage makes sense.

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📞 Let’s Talk

Your building is more than four walls—it’s your livelihood. Let’s make sure it’s protected the right way.

Call: 805-328-5001
Email: info@aecriskmanagement.com

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