Pass the lender's insurance review without the scramble.

What lenders actually require

The baseline is mostly national: replacement cost, evidence of insurance, mortgagee and loss-payee wording, liability limits with additional insured status, business-income support, and flood in mapped zones. The state overlay is catastrophe: earthquake scrutiny in California and the West, wind and hail eligibility on the Texas coast, wildfire and valuation accuracy across the Mountain states. We check both layers against your loan. If the loan is tied to a purchase or a refinance, the wider list of what to confirm before closing is in commercial property acquisition insurance due diligence. If you are not sure which status your loan requires, start with mortgagee vs loss payee vs additional insured.

Where compliance quietly breaks

The common failures are predictable: a certificate that does not match the policy wording, a market-value figure where the lender requires replacement cost, flood treated as optional because the building has not flooded, or missing additional insured or cancellation language. Any one can hold up a funding or trigger a force-placed policy. We catch them before the lender does. The full requirement set is laid out in what insurance your lender requires on a commercial building, and the flood piece in commercial flood and force-placed insurance.

How it works

Send the loan's insurance requirements and your current policy or certificate. We line them up, flag every mismatch, and tell you exactly what has to change and how, so you walk into the closing or the covenant check already compliant instead of scrambling against a deadline. Between closings, valuations and endorsements drift, so run the annual commercial property review checklist each renewal to keep the file compliant.