Specialty Area

Commercial buildouts.

Insurance for the parties involved when a commercial unit is built out, remodeled, or improved. Franchise location buildouts are covered in a separate specialty area.

View commercial programs

Commercial Tenants

Problem: Missing specialty coverage can stall commercial projects, openings, or contracts.
How FRU helps: Businesses fitting out leased commercial space who must meet landlord insurance rules and protect the buildout.
Where coverage fits: Maps to a commercial buildout specialty program on carrier paper when appointed.

Commercial Landlords

Problem: Missing specialty coverage can stall commercial projects, openings, or contracts.
How FRU helps: Property owners who need the right coverage on their side — and clear insurance requirements for tenants and contractors on commercial units.
Where coverage fits: Maps to a commercial buildout specialty program on carrier paper when appointed.

General Contractors

Problem: Missing specialty coverage can stall commercial projects, openings, or contracts.
How FRU helps: Contractors running commercial unit buildouts who need insurance in place before work starts.
Where coverage fits: Maps to a commercial buildout specialty program on carrier paper when appointed.

Subcontractors

Problem: Missing specialty coverage can stall commercial projects, openings, or contracts.
How FRU helps: Trade contractors on commercial projects who must meet contract insurance requirements before they can start on site.
Where coverage fits: Maps to a commercial buildout specialty program on carrier paper when appointed.

Workmanship Warranties

Problem: Missing specialty coverage can stall commercial projects, openings, or contracts.
How FRU helps: Coverage focused on warranty risk after commercial buildout work is done. This is not a surety performance bond.
Where coverage fits: Maps to a commercial buildout specialty program on carrier paper when appointed.