commercial insurance

assisting specialty risk clients














The term commercial property (also called commercial real estate, investment or income property) refers to buildings or land intended to generate a profit, either from capital gain or rental income.  Commercial property includes office buildings, industrial property, medical centers, hotels, malls, retail stores, farm land, multifamily housing buildings, warehouses, and garages. In many states, residential property containing more than a certain number of units qualifies as commercial property for borrowing and tax purposes.  Commercial property claims, on average, are more complex than homeowner’s claims due to the variety of coverages, nature and size of buildings, and greater value. 

Some responsibilities of a commercial property adjuster include the following:

  • Manage and control risk for specialty risk clients in a variety of different business fields.
  • Interpret policy language and provide coverage analysis
  • Manage legal defense and handle time-sensitive matters
  • Manage complex claims at every angle including litigation, coverage, damage analysis, experts, reserving, subrogation and risk transfer
  • Prepare detailed reports and recommendations to clients.
  • Ability to analyze legal and claim trends, and work with defense or coverage counsel


Successful business and property owners are driven to succeed; they want to see their businesses grow, from startup to established business. Business owners are passionate and must overcome challenges.  The business owner has relied on an agent or broker to guarantee some of those challenges are protected in the form of insurance.

If property damage occurs or those business operations are interrupted, it’s essential for those losses to be properly and accurately documented in accordance with policy requirements.

Winkler Treger & Associates understands the intricacies of the insurance claims process and are skilled professionals with vast experience in commercial claims.



We are there to assist your specialty risk clients.