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🤠 Texas · Shopping Center & Office Building Insurance

Shopping Center & Office
Building Insurance in Texas

Lessor's Risk · Property · General Liability · Loss of Rents — licensed Texas specialists with 20+ years of commercial insurance experience.

📍 Licensed in TX · CA · FL · AZ · GA · WA · DC

Free Texas Quote

We respond within one business hour.

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Licensed in Texas
20+ Years Experience
Independent — 6 Carriers Shopped
Lessor's Risk Specialists
Same-Day Quotes

Protecting Texas Commercial Property Owners for 20+ Years

Secure Risk Partners is licensed in Texas and specializes in shopping center and office building insurance for commercial property owners across the state. From strip malls in the suburbs to anchored retail centers in Dallas, Houston and Austin — we know lessor's risk inside and out.

As an independent agency we shop Hartford, Travelers, Lloyd's of London, Hiscox, Progressive, Guard and more to find you the best coverage at the best price.

📞 Call (469) 983-2600
8,000+
Shopping Centers in TX
Strong
Retail Market
Lessor
Risk Specialists

Texas shopping center owners face significant premises liability and tenant-related exposure

Texas does not mandate specific insurance for commercial landlords, but most lenders require property and liability coverage. Tenant lease agreements typically require owners to carry minimum insurance limits.

Every Coverage Texas Commercial Property Owners Need

We write all of these for Texas shopping center and office building owners — individually or as a complete package.

🏬

Lessor's Risk (LRO)

Core coverage for building owners who lease to tenants. Covers your building, common areas and premises liability as the property owner.

🏗

Property Insurance

Building structure, common areas, parking lots, signage and owner's property at replacement cost.

🤝

General Liability

Slip and falls in common areas, parking lots and entryways. Third-party injury and property damage claims.

📉

Loss of Rents

Replaces rental income lost when a covered loss makes tenant spaces unusable. Essential if rent covers your mortgage or operating expenses.

⚠️ Recommended

Umbrella / Excess Liability

Extends your liability limits above your underlying GL policy. Strongly recommended for all shopping center and office building owners.

👷

Workers' Compensation

Competitive placement for property management and maintenance staff across Texas.

We Know Texas Commercial Property. We Know Your Risk.

Independent agency. 6 carriers compared. Licensed in Texas and 6 other states.

Hartford
Travelers
Lloyd's of London
Hiscox
Progressive
Guard

Texas Shopping Center Insurance FAQ

What is lessor's risk insurance and do I need it?
Lessor's risk insurance is commercial property coverage specifically designed for building owners who lease space to tenants. It covers your building, common areas and your liability as the property owner — separate from your tenants' own insurance. If you own commercial property and lease it to others, you need it.
What coverage do my tenants need to carry?
Your tenants should carry their own general liability and property policies covering their business contents and operations. Most well-drafted lease agreements require tenants to name you as an additional insured on their GL policy. We can review your lease requirements and help make sure you're properly protected.
Does my property policy cover tenant improvements?
It depends on the policy. Tenant improvements made by you as the landlord are typically covered under your building policy. Improvements made by tenants at their own expense are generally covered by the tenant's policy. We make sure the right coverage is in place for both.
Do I need an umbrella policy for my commercial property?
Yes for virtually all shopping center and office building owners. A serious slip-and-fall claim in a high-traffic commercial property can easily exceed standard GL limits. Umbrella coverage is inexpensive relative to the protection it provides.
How quickly can you get a Texas commercial property quote?
Same day in most cases. We need basic details — location, square footage, year built, tenant mix and current coverage — and we can have options in front of you within hours.
Do you cover properties with vacancy issues?
Yes. We work with carriers that can accommodate partially vacant properties. High vacancy can affect your coverage terms, so it's important to disclose occupancy levels accurately. Call us to discuss your specific situation.

Ready for Your Texas Quote?

Give us 15 minutes. We'll show you exactly what you need, what you're missing and what we can do. No obligation.

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💬 Ask Alex
🤖
Alex
SRP Insurance Assistant