Contract-ready from day one
Additional insureds, waivers, lender wording, and evidence of coverage handled with the underlying requirement in mind.
Commercial property & casualty
Commercial insurance built around your property and business.
Responsive commercial insurance guidance for real estate, construction, nonprofits, and growing businesses.
Specialties
Independent by design
Coverage should support the work—not complicate it.
Cedar aligns insurance with real-world requirements and communicates with clarity. We focus on the terms that matter, the documents that move a transaction forward, and responsive support throughout the policy term.
Choice without compromise
We compare exclusions, deductibles, valuations, sublimits, and carrier strength—not just the premium at the bottom of the page.
Clarity at every step
Straight answers, organized submissions, smooth certificates, and steady communication when a policy change needs attention.
Coverage solutions
Built for the whole risk.
Start with the primary exposure, then build outward. Property, liability, catastrophe, people, vehicles, contracts, and digital risk should work as one insurance program.
Commercial Property & Business Income
Coverage structured around the building, its valuation, income exposure, lender requirements, and the way the property is actually used.
- Buildings & business personal property
- Business income & extra expense
- Wind, named storm & hail options
- Ordinance or law
- Equipment breakdown
General Liability & Excess
Liability programs built to respond to premises, operations, products, contractual requirements, and higher-limit exposures.
- Commercial general liability
- Umbrella & excess liability
- Hired & non-owned auto
- Additional insured requirements
Builders Risk & Renovation
Project-specific protection for ground-up construction, renovations, vacant acquisitions, and buildings transitioning to occupancy.
- Ground-up construction
- Structural & non-structural renovation
- Vacant property
- Installation & equipment floaters
E-commerce & Product Liability
Coverage for online retailers, resellers, private-label products, customer inventory, and contractual requirements from platforms and landlords.
- Products-completed operations
- Vendors additional insured
- Warehouse & customer goods
- Cyber & privacy liability
Commercial Flood
NFIP and private-market options evaluated alongside the property program so limits, valuations, and lender requirements work together.
- Commercial building & contents
- Business income considerations
- NFIP & private markets
- Excess flood options
Workers’ Comp & Cyber
Core operational coverage coordinated with the rest of the insurance program to reduce gaps and simplify annual reviews.
- Workers’ compensation
- Cyber liability
- Employment practices liability
- Professional liability
Industries
Specialized where it matters. Flexible where it counts.
Cedar works across industries while bringing deeper attention to property-driven and contract-driven risks.
Owners, developers & associations
Habitational, mixed-use, office, retail, warehouse, condo/HOA, and complex portfolios—placed with the lender and operating realities in view.
Renovation & ground-up projects
Builders risk, owner’s interest liability, contractor requirements, installation exposures, and the transition from construction to permanent coverage.
E-commerce & retail
General and product liability, vendors additional insured requirements, warehouse property, customer goods, and cyber exposures.
Nonprofits & religious organizations
Property, liability, abuse and molestation, directors and officers, employment practices, auto, schools, preschools, and special events.
Service businesses & growing firms
General and professional liability, workers’ compensation, cyber, employment practices, business property, and umbrella protection.
How we work
Start a conversationA disciplined process, without the drag.
Understand the risk
We collect the details that actually influence underwriting, coverage, contracts, and pricing.
Structure and market
We shape the submission, compare meaningful terms, and negotiate with the appropriate markets.
Place and support
We coordinate closing requirements, certificates, policy changes, audits, and renewals.
Client resources
The next step, made simple.
Pay an invoice, request policy service, or start a coverage review directly with Cedar.
Payments
Pay online
Securely pay an insurance invoice through ePayPolicy.
Open payment portal ↗ Opens in a new tab.Policy serviceRequest a certificate
Send the holder requirements and requested effective date.
Email Cedar ↗New businessCoverage review
Tell us about the property, project, business, or contractual risk.
Start here ↓Let’s talk
Bring us the risk. We’ll help make it clear.
Share a few details and Cedar will follow up to discuss the exposure, timing, and information needed to approach the right market.