Office and medical building insurance for Texas owners.
Coverage that follows your leases, your loan and your building systems. We read the lease insurance clauses so tenant improvements are clearly assigned.
Prefer to talk? Call (713) 367-1706
In Short
What insurance does a Texas office or medical building need?
Texas office and medical building owners typically need building coverage, loss of rents, equipment breakdown for elevators and building systems, general liability for common areas and parking, an umbrella, and ordinance or law. The lease insurance clauses decide who insures tenant improvements.
Read the complete office or medical building insurance guide
General information, not a promise of coverage.
Risks & Coverage
What can go wrong at a Texas office or medical building, and the coverage to consider.
- 01
Equipment That Stops the Building
Elevators, chillers and electrical switchgear are expensive to replace, and standard property forms don't cover them breaking down.
Coverage to ConsiderEquipment breakdown for elevators, chillers and switchgear
- 02
Tenant Improvements
Who insures build-outs — you or the tenant — depends on the lease. Ambiguity creates double coverage or, worse, none.
Coverage to ConsiderCoverage that follows your leases for tenant improvements
- 03
Parking Lot & Garage Injuries
Slips, falls and vehicle incidents in owner-controlled areas are common office liability claims.
Coverage to ConsiderGeneral liability for common areas, parking and garages
- 04
Medical Tenant Exposures
Medical tenants bring biohazard waste, imaging equipment and stricter lease requirements.
Coverage to ConsiderMedical tenant exposures disclosed and lease requirements met
- 05
Lost Rent After a Loss
Office leases often let rent stop when a space can't be used. Loss of rents coverage protects your cash flow.
Coverage to ConsiderLoss of rents
Typical Coverage
What a Texas office or medical building usually carries.
- 01
Building Property — Replacement Cost
Structure, common areas and owner-provided improvements.
- 02
Loss of Rents
Rental income replaced during repairs.
- 03
Equipment Breakdown
Elevators, chillers, boilers and electrical systems.
- 04
General Liability
Common areas, parking and visitor injuries.
- 05
Umbrella / Excess Liability
Higher limits for multi-tenant buildings.
- 06
Ordinance or Law
Code upgrades after a loss.
- 07
Crime & Cyber (Optional)
Funds-transfer fraud and data-breach options. Cover for fake payment instructions and building-system attacks varies widely, so we show what each quote includes and excludes.
- 08
Flood
Where location or lender requires it.
Not Needed to Start
What to have ready.
Carriers price what they can see, so a complete submission helps them quote with confidence. Missing something? Send what you have.
- Rent roll and tenant uses
- Stories, square footage, construction and year built
- Elevators, garages and building systems
- Sprinkler, alarm and security details
- Lease insurance clauses (we'll review them)
- Five years of loss runs
- Lender's insurance requirements
Questions
Office & Medical: common questions.
Who insures tenant improvements?
Whoever the lease says. Many leases make the landlord insure the base building and the tenant insure its own improvements and contents. We review the clauses so the coverage follows the lease.
Is elevator breakdown covered by my property policy?
Usually not. Mechanical and electrical breakdown is covered by equipment breakdown insurance, which we add to most office programs.
Do medical tenants change my insurance?
They can. Medical uses may change the fire rating and the lease requirements. We make sure the carrier knows the tenant mix, so it is underwriting the building as it is.
Ready When You Are
Your quote starts here.
About two minutes. A person reads every request.
Guides for Office & Medical