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With shopping center tenants as varied as the risks they bring, you need a partner who knows what they’re doing.

We understand that shopping plazas often bring you a wide spectrum of tenants, so Barber Agency uses our 100 plus combined years of experience to bring you insurance coverage that’s just as broad. We’ll work with you to create an insurance policy that will not only protect your interests, but also give your tenants a safe and appealing atmosphere to conduct their business. Barber Agency will be there to help you keep your shopping plaza operating smoothly, and we’ll even be there for individual consultations with your tenants. As a true member of your team, Barber Agency will make sure you understand exactly what you need, and then we’ll get it for you. Trust us, we’ve been there before.

Shopping Center Insurance Coverage

Shopping Center Insurance General Liability Highlights

General Liability Coverage for shopping centers covers your shopping center against claims resulting from your business operations due to bodily injury or property damage to others.
  • General Liability Limits of $1 million per occurrence/$2 million aggregate are standard for the Shopping Center Package with an option for higher limits of $2 million per occurrence/$4 million aggregate available.
  • Advertising Injury and Personal Injury
  • Medical Payments for $5,000 per person
  • Damage to Premises Rented to You is included up to $300,000*.
  • Blanket contractual for all insured contracts
  • Host liquor liability
  • Products/Completed Operations coverage is included and subject to the General Aggregate.

Shopping Center Insurance Property Highlights

Property Coverage for shopping centers covers your Building and Business Personal Property for replacement cost with no coinsurance.
  • Outdoor Trees, Shrubs and Plants coverage provided for all covered causes of loss up to $3,000*.
  • Embedded coverage applies for mechanical breakdown of vital building maintenance systems, such as boilers and air conditioning systems. The extra costs associated with these types of claims (pollutant clean-up and expediting expenses) are also included up to $25,000. Service interruption to your water or power supplies, caused by equipment breakdown, may also be covered. Your power generating equipment is covered up to $100,000* for a covered breakdown.
  • Business Income and Extra Expense – This covers income that is lost due to suspended operations caused by damage at your building from a covered cause of loss. This is an optional coverage.

Shopping Center Insurance Package

  • Automatically included and includes rental value
  • Included on an Actual Loss Sustained basis for up to 12 consecutive months
  • Coverage may also be written on a policy or location level basis for any dollar limit without the 12 month limitation.
  • When selected, the coverage may be written with a policy or location level dollar limit. The dollar limit is based on 80% of annual receipts/fees and may be modified.
*Higher limits are available.
  • Appurtenant Buildings and Structures are included up to a $50,000 limit.
  • These items are considered part of Building coverage:
    - Alarm systems
    - Appliances used for refrigeration, ventilating, cooking, dishwashing or laundering that are not contained within individual units
    - Fences
    - Fire extinguishing equipment
    - Floor Coverings
    - Lawn maintenance and snow removal equipment
    - Lobby and hallway furnishings
    - Outdoor furniture
    - Retaining walls
  • Building Glass coverage included, with several deductible options available
  • Employee Dishonesty coverage is included up to $25,000* (with an option to cover property managers as employees).
  • Newly acquired or constructed buildings are covered up to $500,000 for up to 180 days.
  • Ordinance or law coverage is included for a combined limit of $25,000* at each described premises.
  • Signs within 1,000 feet are included within the Building limit.
  • Building Owners Endorsement – enhances coverage in key areas for your owned buildings:
    - Debris Removal is increased from $25,000 to $50,000.
    - Lessor’s Leasehold Interest coverage is added for up to $25,000.
    - Tenant Move Back Expenses coverage is added for up to $25,000.
    - Utility Services – Direct Damage is added for up to $10,000.
    - Ordinance or Law – Increased Period of Restoration is increased by $50,000.
    - Broadened Named Insured
    - Blanket Additional Insured – Managers or Lessors of Premises or Leased Equipment
  • Flood Protection of America is an exclusive flood discount program that is offered through Barber Agency (FL & CA only). Your shopping plaza will receive a 10% discount on your master policy with this program.
  • Other Options Available:
    - Blanket limits optional protection may be available
    - Earthquake
    - ERISA Welfare and Pension
    - Garage Keepers
    - Higher limits for most individual coverage extensions
    - Hired and Non-owned Auto Liability
    - Sewer and Drain Back Up
    - Umbrella Liability
    - Wind/Hail
    - Workers Compensation