A fire, flood, or break-in can erase years of work overnight — the building, the equipment, the inventory, and the income. We insure your property at true replacement cost and protect the income that keeps you open while you rebuild.
Independent broker · 50+ A-rated carriers · Same-day certificates
Tell us about your space and what's inside it. We'll surface the coverages to prioritize and the gaps that leave owners underinsured — instantly.
Nothing is stored or shared. A broker confirms the specifics.
Illustrative only — required coverages, valuation, limits, and eligibility vary by carrier, property, and state. Your First Underwriters broker confirms exactly what your business needs.
Most property policies carry an 80% coinsurance clause: insure your building for less than that, and even a partial-loss claim is reduced proportionally. Drag the sliders to see the penalty.
Assumes an 80% coinsurance requirement on a $250,000 partial loss.
Insuring to only 70% triggers the clause. Insure to at least $1,600,000 (80%), or add Agreed Value, to remove the penalty.
These are the losses commercial property insurance is built for. Pick a scenario to see how fast it adds up — and how the coverage responds.
Commercial property is several protections in one. Click each to see what it does — and the gap most owners miss.
We don't sell one company's policy — we value your property correctly, close the gaps, and advocate for a full recovery when it matters most.
34 years insuring everything from small retail to industrial complexes — we know building valuation, coverage gaps, and risk mitigation.
Current construction-cost data and valuation tools ensure you\'re insured to real replacement cost — not an outdated number that triggers coinsurance.
Property damage is only the start — lost income closes businesses. We size Business Income and Extra Expense to keep your cash flow alive.
Earthquake, flood, windstorm and wildfire — we build in the PNW-specific coverages standard policies leave out.
Need proof of insurance for a lease, loan, or permit? We issue COIs the same day so nothing stalls.
When disaster hits, we handle adjuster negotiations and fight for the maximum settlement — start to finish.
Don't leave your building, equipment, and inventory exposed to catastrophic loss. Get a comprehensive commercial property review from the Pacific Northwest's trusted specialists.
Or email info@firstunderwriters.com · Complimentary property risk review
First Underwriters Insurance Brokers is an independent brokerage serving the Pacific Northwest since 1992. This page — including the interactive Property Coverage Profiler, coinsurance calculator, and claim-cost illustrations — is for general education only and is not an insurance quote, binder, or offer of coverage. Coinsurance mechanics, dollar figures, coverages, and valuation vary by carrier, policy, and state; the calculator is a simplified illustration, not a claim estimate. Coverage is subject to policy terms, conditions, and exclusions.
