Shopping Center Insurance Google

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Get the coverage you need for your shopping center.

If you own a shopping center, you need to make sure that you’re protected from the risks you face every day. Though you rent out spaces in your shopping center to small business owners, you’re still taking on a lot of liability. You’re also responsible for the building itself. What would happen if you ever faced a lawsuit from someone who tripped and fell in the common parking lot in your shopping center? Or what if a fire burned your building to the ground? That’s why it’s so important to get the right shopping center insurance to protect yourself.

Our agents can help you with that mission. We can help you shop for insurance for your strip mall so that you can compare coverage options and pricing. That way you know you’re getting a great rate for great insurance that will be there for you no matter what. Life happens and disaster strikes, but if your shopping mall falls victim to a mishap you’ll be able to recover and carry on. Get started with your strip mall insurance quotes by filling out our online quote form or calling us today. We’re here to help, and we’re here to make insurance easy.

Your shopping center insurance plan might include the following coverages…

The following are common insurance coverages for strip malls:

  • General liability insurance
  • Property insurance
  • Business income insurance
  • Umbrella insurance

Let’s go a little more in-depth about each of these shopping center insurance coverages:

General liability.

General liability insurance is the coverage that will protect you if someone sues you for property damage or bodily injury. It can help you cover legal expenses and settlements or court-ordered judgments. As the owner of the shopping center, you’re responsible for the common areas in front of the shops – for example, the parking lot and sidewalks.

Example: If someone trips over an uneven section of sidewalk, they could sue you and allege that you were negligent in failing to maintain the pavement.

Property insurance.

You’re the owner of the shopping center building itself. And that building is an investment. Property insurance for your strip mall can help you cover the costs of rebuilding or repairing your building if you ever experience a covered loss, such as a fire. It can also help you repair or replace anything that you as the landlord own even if it’s inside one of the businesses that rents a space from you. (Like if you as the landlord have invested money to add or better space in one of the business locations, perhaps to attract a tenant.)

Example: An electrical fire starts and burns the entire shopping center to the ground.

Business income.

Business income insurance, also known as business interruption insurance, will help reimburse you for the income that you lose if you ever face a covered loss and have to close your doors. (Sometimes property insurance can include this, but not always.)

Example: Your shopping center has a fire and has to close. You could be reimbursed for the income that you lose because of the closure.

Umbrella insurance:

General liability insurance provides valuable protection for you as the owner of a shopping center, but there might come a time when you face a lawsuit or liability claim that goes above the limit of coverage on your general liability policy. Umbrella insurance goes above and beyond to provide additional liability insurance on top of your underlying insurance policy. So, if you exhaust the coverage on your general liability policy, an umbrella can pick up where it left off.

Example: You have a $1 million umbrella policy. The limit of coverage on your general liability policy is $1 million. You face a $1.75 million liability claim. Your general liability policy will pay its $1 million, then your umbrella would kick in to cover the remaining $750,000.

Other strip mall insurance coverages you can consider:

  • Crime/Employee Dishonesty
  • Equipment breakdown insurance
  • Accounts receivable
  • Valuable papers and records
  • Signs
  • Cyber liability
  • And more

Get quotes for shopping center insurance.

We know that insurance can be overwhelming, but getting shopping center insurance can be easy when you work with our team. We’re professionals at breaking down insurance concepts and helping property owners get the insurance they need to protect their investment and cover their liability. You don’t have to venture into the world of insurance alone – InsuranceHub is here to be your trusted insurance advisor and partner. You can get in touch with our team by filling out our online quote form or giving us a call today.