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If you are a property owner, residential or commercial, you are aware of the many exposures facing you on a daily basis, from fire damage to trip and fall liability. The importance of the proper insurance coverage cannot be overstated. Because different types of properties have different exposures, ensuring adequate limits and proper coverage can be challenging. At Bagatta, we personally inspect each property to ensure that each is properly underwritten along with satisfying mortgage insurance requirements.


  • General liability
  • Commercial property (broad form)
    • Replacement cost/agreed value available
    • Ordinance or law coverage
    • Back up of sewers and drains
  • Business personal property and contents
  • Loss of rents / business income
  • Boiler & machinery
  • Flood
  • Umbrella/excess liability (up to $200M)
  • Workers compensation (if property has employees)
  • Disability
  • Directors and officers
  • Crime/fidelity/bonding
  • Cyber liability
  • Liquor liability (HOA’s with clubhouses)
  • Employment practices liability
  • Pollution liability (underground storage tanks)
  • Builder’s risk


  • Property insurance replacement cost appraisals/MSBs
  • Property life safety inspection
  • Mortgagee requirement review
  • Certificate of Insurance issuance
  • Review of hired contractor and third party insurance
  • Hold harmless agreement preparation