Commercial Real Estate Insurance from Massachusetts Specialists

Roger Keith & Sons

Protecting your commercial property in Massachusetts requires careful planning, local knowledge, and the right insurance partner. At Roger Keith & Sons Insurance, we work with building owners, landlords, and property managers to help them find tailored commercial real estate insurance solutions that reflect the unique risks of operating in the Bay State.

Whether you own an office building in Boston, a retail strip in Worcester, or a mixed-use development in Plymouth, we’re here to help guide you through your options and connect you with policies that make sense for your business.

What Is Commercial Real Estate Insurance?

Commercial real estate insurance typically refers to a collection of insurance coverages designed to help protect income-generating properties. These may include office buildings, retail centers, apartment complexes, industrial facilities, and mixed-use developments.

The specific protections can vary based on the policy and carrier, but commercial real estate insurance may help with losses related to:

• Property damage caused by covered perils
• Liability claims arising from third-party injuries
• Business income interruptions
• Equipment breakdown or utility service disruptions

Each policy is different, and not all risks may be covered. That’s why it’s important to work with an experienced insurance agency that understands Massachusetts’s unique regulatory and weather-related concerns.

Why Is Commercial Real Estate Insurance Important in Massachusetts?

Owning commercial property in Massachusetts presents distinct challenges and opportunities. From Nor’easters and ice storms to city permitting and historical zoning regulations, this state’s landscape requires specialized attention.

Commercial real estate insurance may help mitigate financial loss following events like:

• Fire or storm-related property damage
• Tenant or visitor injury claims
• Prolonged utility outages impacting rental income
• Legal defense expenses for covered liability claims

While coverage needs vary depending on the property type and location, having a Massachusetts-based agency like Roger Keith & Sons on your side means your policy will reflect local risks and building standards.

What Types of Properties May Be Covered?

Commercial real estate insurance may apply to a wide range of property types. We’ve worked with owners and developers across Massachusetts to insure properties such as:

• Office parks and medical buildings
• Shopping plazas and standalone retail spaces
• Multi-family residential units and apartment buildings
• Industrial warehouses and manufacturing facilities
• Mixed-use developments combining commercial and residential space

Each property type brings different coverage considerations. For example, a strip mall may require tenant improvements protection, while a multi-unit apartment building might need loss of rental income coverage.

What Coverages Are Typically Considered for Commercial Properties?

While every policy is customized, commercial real estate insurance often includes a mix of property, liability, and loss-of-income protections. Depending on your building and operations, you may consider:

• Commercial Property Insurance – This may help with repairs or replacement costs if your building or its contents are damaged by a covered event such as fire, vandalism, or certain weather events.
• General Liability Insurance – This may offer protection if a tenant, vendor, or visitor is injured on your property and files a claim for bodily injury or property damage.
• Loss of Income Coverage – Sometimes called business interruption insurance, this may help replace lost rental income if your property becomes temporarily unusable due to a covered loss.
• Equipment Breakdown – This optional coverage may assist with the cost of repairing or replacing HVAC systems, elevators, or boilers if they fail due to mechanical issues.
• Ordinance or Law Coverage – This may help with rebuilding costs that arise from changes in building codes following a covered property loss.
• Flood and Earthquake Insurance – Standard policies typically exclude flood and earthquake damage, but these coverages can often be added or purchased separately.

Not all buildings require every coverage, and not every scenario is covered. Our team will work with you to review options that fit your property’s specific profile.

How Are Massachusetts Regulations and Climate Considered?

Massachusetts is known for its historic architecture, coastal exposure, and changing weather patterns. These characteristics can affect both your risk profile and your insurance policy requirements.

For example, properties in flood-prone areas near the Cape or South Shore may need special consideration. Older buildings in Boston or Fall River may require ordinance or law coverage due to stricter building codes. And properties subject to winter storms may need protection from ice damming or burst pipes.

Our team stays current on state and local regulations so that we can help you select coverages and limits that reflect your actual exposures—not just a generic policy template.

Who Needs Commercial Real Estate Insurance?

Whether you’re a first-time investor or a seasoned property manager, commercial real estate insurance may be worth considering if you:

• Own or lease income-generating property
• Manage residential or commercial tenant spaces
• Have equipment, furnishings, or signage on-site
• Operate in areas vulnerable to natural disasters
• Want to meet lender or lease insurance requirements

Some lenders, tenants, or local municipalities may require proof of insurance as part of a lease or permitting process. Our agency can provide timely documentation and certificates to help keep your deals on track.

Why Work With Roger Keith & Sons Insurance?

Founded in Massachusetts in 1869, Roger Keith & Sons Insurance has been helping local businesses protect what matters for over 150 years. We offer:

• Deep knowledge of the Massachusetts property market
• Access to a broad network of regional and national carriers
• Responsive local service from offices across the state
• Customizable insurance solutions built around your goals

We understand that your real estate investment represents more than just a building—it’s a business. Our advisors take the time to understand your unique risks and help you navigate the insurance process with confidence.

How Can You Get a Quote?

Getting started is simple. Whether you’re evaluating a new investment or reviewing an existing policy, our team is ready to help.

Protect your Massachusetts property investment with confidence. Reach out to the team at Roger Keith & Sons Insurance today to learn more about commercial real estate insurance options that align with your goals and your property.