Protect your commercial property with a program built around the way it is owned, occupied and managed. We help owners of shopping and strip centers, leased retail buildings, office buildings, medical-office buildings and mixed-use properties arrange insurance around their buildings, tenants and rental income.
Experience with substantial commercial properties.
Donnan brings commercial insurance experience since 2008, along with a background in business ownership, investment advisory and residential rental-property ownership. He considers the building, its occupants, rental income and liability together when reviewing a property account.
Our experience includes large shopping centers along Satellite Boulevard in Duluth, alongside commercial accounts in the Lake Oconee area. We bring that broader perspective to local retail buildings, professional offices and property portfolios.
Property owners and landlords
An owner-occupied building, a multi-tenant center and a leased medical office have different insurance needs. We review construction, rebuilding information, tenant activities, leases, maintenance, occupancy and planned improvements.
We serve property owners in Lake Oconee, Greensboro, Eatonton, Madison, Watkinsville and the Lake Sinclair area, including Milledgeville.
What a property insurance program can include
- Building coverage: protection for insured structures and covered improvements, with attention to valuation, deductibles and settlement terms.
- Premises liability: addresses covered claims involving injury or damage to others arising from the insured premises.
- Rental income and extra expense: addresses qualifying income loss and expenses following an insured interruption.
- Equipment breakdown: options for covered mechanical and electrical equipment failures.
- Umbrella or excess liability: additional limits above specified underlying policies.
- Flood and other separate exposures: identified individually rather than assumed included in a property policy.
Leases, tenants and changes matter
We discuss lease insurance requirements, responsibility for tenant improvements and the policies held by the building owner and tenants. New occupancies, renovation work and vacant space can affect available coverage. Let us know about changes before they occur.
A closer look at your commercial property
Through Spyglass Aerial, R&R clients can access thermal roof inspections, aerial property records and construction-progress documentation. After a loss, imagery can help document visible conditions for discussion with your insurer or adjuster.
Explore this added client service ↗Marinas & waterfront businesses
Our experience also includes marina accounts at Lake Oconee. Waterfront businesses bring additional questions about docks, buildings, equipment, boat-related activities and liability. We review the actual operation and identify the property and specialty marine options appropriate to the account.
Tell us about boat storage, rentals, repair or fuel operations if they are part of your business. These activities require specific review; they should not be assumed covered by a standard property policy.
Discuss a marina or waterfront business ↗Buying a building or changing a tenant?
Bring us the property address, ownership entity, building and occupancy information, current policies and your closing or renewal date. For a multi-property account, include the property schedule and tenant mix. We identify additional information the markets need and explain the proposed coverage.
With your permission, we coordinate insurance questions with your property manager, lender, real estate professional or other advisor, including insurance requirements connected to a purchase or lease.
Discuss a property or client introduction ↗Independent market access
R&R works with multiple carriers, brokerage firms and specialty programs. We approach markets appropriate to your property and explain differences in available coverage, deductibles, restrictions and cost. Availability depends on the property and underwriting.
Questions we can help you answer
What kinds of commercial properties does R&R insure?
Our focus includes shopping and strip centers, leased retail buildings, office and medical-office buildings, mixed-use properties, marina operations and rental-property portfolios. We review the building, tenant activities, ownership and rental income together.
What should I bring for a property insurance review?
Start with the property address, ownership entity, building details, tenant mix and renewal or closing date. Current policies, a property schedule and lease insurance requirements help us identify the additional information appropriate markets need. Call us before sending confidential documents.
What if a tenant changes or a space becomes vacant?
Tell us before the change when possible. New tenant activities, vacant space and renovation work can affect underwriting and coverage. We review the change with you and the appropriate market; coverage changes require confirmation.
Let’s discuss your commercial property
Tell us about the location, ownership, tenant mix, current insurance and renewal or closing date.