Map property values to each location
Separate building, tenant improvement, equipment, furniture, stock, and business income values by premises. Identify who owns each item and whether a lease or contract assigns responsibility for insuring it.
Explain how the operation stays running
Describe fire protection, security, utilities, environmental controls, maintenance, backup systems, and any supplier or dependent-location exposure that could affect recovery after a covered loss.
Property questions to resolve before submission
- Are building, equipment, stock, and business income values separated by location?
- Which utilities or environmental systems are necessary to protect stock and continue operations?
- Do the lease and property schedules agree on who insures improvements and equipment?
What CARMA wants the submission to explain
These details help the team understand the account and identify the next useful question. They do not establish eligibility or available terms.
- Break out building, improvements, equipment, stock, and business income values by location and owner.
- Explain the fire protection, utilities, environmental controls, security, and backup systems at each premises.
- Reconcile the statement of values with leases, applications, loss history, and requested coverage.
Records for a commercial property review
- Statement of values with addresses, occupancy, construction, protection, and ownership
- Equipment, tenant improvement, stock, and business income values by location
- Loss history, leases, security information, and available fire-protection or utility details
Can CARMA consider this account?
CARMA confirms program fit, licensing, state availability, coverage options, and market interest for each account. This guide does not promise eligibility, terms, pricing, or placement.