CIBA Insurance Services offers the CIBA Program, a real estate insurance program for commercial property owners, managers and associations. CIBA has seen steady program growth since it started serving the southern California real estate marketplace in 1993. Today, the organization markets the program in 35 states and the District of Columbia—its policies can cover properties in all states, excluding Alaska and Hawaii.

“Our goal is to be the industry leader in providing commercial real estate owners and managers a competitively priced program for risk management,” explains Wayne Swanson, CPCU, national sales vice president. The program is distributed through a growing network of independent retail brokers and supported by experienced professionals in the Glendale, California, headquarters and in regional underwriting offices in Atlanta, Chicago, Las Vegas and Dallas. “We’re actively appointing brokers interested in serving clients that may benefit from the program,” he says.

The group has a strong appetite for well maintained commercial properties, including office buildings, retail strip centers, shopping centers, industrial parks and warehouses, along with apartments, homeowner associations, condo associations, active adult communities, and mixed use occupancy. While the program provides property and lessor’s risk liability coverage, it also offers other coverages, such as nonprofit D&O, crime, property manager professional liability, earthquake and flood, and operations coverage for active adult communities. Swanson adds, “We also have a specialty self storage program available.”

The CIBA Program offers monoline and package policies with excess liability limits up to $75 million and provides coverage on a guaranteed replacement cost basis with no coinsurance requirement. With its own in-house claims and litigated claims and subrogation attorneys, CIBA provides an efficient single source for all claims processing.

In addition, CIBA provides within the standard program at least a dozen coverages typically excluded in a standard ISO-based form.

Beyond deep understanding of insured needs and making broad coverages available, CIBA points to disciplined underwriting and service as key differentiators. “We want to make sure that the business is underwritten properly,” Swanson explains. “Running a profitable program helps us maintain strong relationships with our ‘A’ rated carrier partners.” This attentive underwriting, coupled with expert service on policies, risk management issues, claims, subrogation, and legal topics, for instance, help to ensure a successful program.

Insureds and their brokers benefit from the CIBA Program’s range of services. CIBA’s in-house inspection and loss control staff work with their brokers and program participants to alert them to property conditions and possible action items. Loss control seminars and online resources are other benefits they receive as part of the program.

Such factors combine to drive greater protection and confidence. “The program delivers sleep insurance,” Swanson says, “and not just to commercial property owners and managers, but for brokers as well.” For more information, go to www.cibaservices.com.