Commercial Property

Targeting real estate owners, managers, and developers with a well-defined underwriting philosophy and a robust suite of services.


Commercial Property Program

The Commercial Property Program is an innovative and complex layered-insurance program designed to manage market risks, gain competitive advantage, and reduce costs. Our approach is a collaborative value chain that includes program administration, and claims management, in partnership with our carriers. This is a master policy program targeting the Real Estate space and currently manages a portfolio consisting of over $30B in total assets.

Program Highlights:

The Commercial Property Program targets real estate owners, managers, and developers with a well-defined underwriting philosophy, and applies a robust suite of services.


  • $500M blanket all-risk limits per occurrence with automatic reinstatement (shared program)
  • Replacement cost valuation
  • Terrorism included
  • Full boiler and machinery coverage available
  • $25,000 All-risk deductible
  • Competitive catastrophe deductible

Risk Categories

We target portfolios with values of at least $25M, commercial properties preferred and entertain habitational properties with superior quality construction.

Habitational image


Large residential and commercial dwellings that include condominiums, apartment complexes, multi-family occupancy, hotels and family homes, which have superior protection including security, alarms, and sprinkler systems.

Commercial image


  • High-rise: commercial, institutional and high-rise office, mixed use 4+ or more floors or stories.
  • Office/Industrial Parks: office buildings, industrial property, and medical centers with 1-3 floors or stories.
  • Hotels and Senior Health Care commercial spaces and residential properties.
  • Retail Strip Mall: shops, restaurants, business offices, medical offices, retail space, or commercial strips that feature multiple storefronts and/or separate entries for commercial tenants.
  • Warehouse: industrial space, large warehouses, storehouses used in the storage or confinement of goods and merchandise with limited manufacturing.

Become An Agent

Become a Cardigan General Insurance Services appointed agent and expand your profitable business practices.

Benefits of a CGIS appointment:
• Selective appointment process
• Access to proprietary insurance programs
• Direct communications with program administrators and underwriters
• Coverages sponsored by A.M. Best A-Rated Carriers
• Claims administration and loss control services


Process for becoming an agent:

We will get you started and assist you with program details, our capabilities, and expectations and get you started on your way to establishing a profitable partnership.

If you prefer to speak with one of our program administrators,
please call 800-992-6648 and we’ll be happy to assist you.

For submissions: