Commercial property · For owners

Commercial property application.

The questions an underwriter needs to insure your buildings, one or a portfolio: how each is built and used, the age of its roof and systems, what it would cost to rebuild, how you want it insured, your lenders and your claims. Answer what you can and send it from the review sheet. Our brokerage takes it to market and comes back with quotes, or with questions.

Applying is free. Light RFP earns a commission from the carrier on all policies.

Plan on 15 to 30 minutes for one building with no claims, with your declarations page to hand. Your answers are kept in this browser tab only, with no account. Closing the tab clears them, so gather your documents first (the checklist lists them).

Insurers need this to quote. You can send with blanks; we’ll ask for the rest.

Have a schedule of buildings? Drop it into the pre-fill panel, or send it to insurance@lightrfp.com and we fill this in with you.

What to have on hand: your schedule of buildings and declarations page (6 things)

Most of it is on your current declarations page, your building records and your loan documents. Answer counts assume one building, no loan and no claims.

Your schedule of buildingsEach building’s address, construction, year built, stories, square footage and what it is used for. The form lists ten buildings. With more, send the full schedule to insurance@lightrfp.com (a spreadsheet is fine).
Roofs and systemsThe year each roof was last replaced and its type, and when the wiring, plumbing and heating were last updated.
What each building would cost to rebuildReplacement cost, not market value, plus what you own inside and a year of rents.
Your current policyThe declarations page: values, deductibles, valuation and when it renews.
Your lenders’ requirementsWho must be named on the policy, the loan numbers, and the valuation and deductible each loan asks for.
Loss runs, if you have themFive years of property claims history from your current insurer. You can send them after by replying to your confirmation email.

Start from your documents

Pre-fill this application from your documents

Drop your schedule of buildings, your current policy or loss runs. We fill in answers you’ve left blank, and you check each one before you send.

Drag files here, or

PDF, photo (JPG, PNG, HEIC), Excel .xlsx, Word .docx, text or CSV. Up to 4 MB a file (larger photos are shrunk to fit), 12 files in all.

Good documents for this application

Your schedule of buildings
Your current policy
Your lenders’ requirements
Loss runs

Files are read to fill in answers and are not kept. An AI provider reads them under terms that don’t let it train on them.

Application: Commercial property, for owners and managers
Sheets: 04
One building, no claims: about 67 answers, 59 required
Two buildings, a loan and a claim: about 109 answers, 93 required
Status: Your answers go to Light RFP when you press Send. Files you drop in are read to fill in answers, and not kept.
Prepared by: Light RFP Risk Management Services LLC NY DFS License # PC-1978982

Files you drop in fill in answers you’ve left blank.

CP-01

Applicant

Who owns the buildings, who is applying, and how to reach you.

0/14required answered

Who is applying

Which describes you best?

The owner

Legal name of the owner, as it should read on the policy

The company that holds title. Often one LLC per building; name the main one here.

Do other companies hold title to any of the buildings?

YesNo

They are added to the policy as named insureds.

Doing business as (DBA)

If the owner uses another name.

Business structure

Federal employer identification number (FEIN)

If the business has one.

What the business does, in a sentence or two

Years you have owned or managed buildings like these

Your contact details

First name

Last name

Phone

The owner’s mailing address

Street address

If the owner’s mail goes to the management office, use that address.

City

State

ZIP code

After you send

What happens after you send.

We read it
A Light RFP broker reads every answer, building by building, and asks about anything blank or flagged.
We take it to market
Our brokerage takes it to the insurers whose appetite fits your buildings.
You compare and choose
Values, deductibles and exclusions side by side, matched to what your lenders require. Our brokerage puts the policy you choose in force and issues the evidence of insurance your lenders ask for.

Send us your schedule of buildings and we’ll fill this in with you.

Rather go through it on a call, or send your schedule of buildings as a spreadsheet? Schedule a call, or write to Light RFP’s insurance team: insurance@lightrfp.com