Commercial Insurance
Real Estate & Landlords insurance.
Insurance built for WNY property owners and landlords.
Who we cover
Owning rental property in Western New York means dealing with long winters, aging building stock, and tenants who count on you to keep the heat on and the walkways clear. Whether you own a single Buffalo double, a few apartment buildings in Amherst, or a growing portfolio across the region, your property is a real investment and a real source of liability. Willoughby has helped local owners protect that investment since 1952, and we tailor the coverage to the kind of property you actually own.
Risks we see in WNY
- Frozen and burst pipes during long WNY winters and vacancy periods
- Ice dams, snow load, and roof damage from lake-effect storms
- Slip-and-fall claims on icy sidewalks, stairs, and parking lots
- Tenant and visitor injury lawsuits
- Fire and water damage in older Buffalo-area buildings
- Lost rental income while a unit is unrentable after a covered loss
Coverage that fits
Coverage to consider for your business.
Use these as a starting point for a conversation. We will help you review which coverages fit your operation.
Commercial Property Coverage
Helps cover damage to the buildings you own from fire, storms, water, and other events covered by the policy.
Premises Liability
Helps protect you when a tenant, guest, or delivery driver is injured on your property and holds you responsible.
Loss of Rental Income
Replaces the rent you lose while a unit sits empty during repairs after a covered loss.
Equipment Breakdown
Covers boilers, furnaces, and building systems that fail, which matters in older WNY buildings and through hard winters.
Umbrella Liability
Adds a layer of protection above your other policies when a serious injury or lawsuit goes beyond your standard limits.
Building Ordinance or Law
Helps cover the extra cost of bringing an older building up to current code after a covered loss, common with the region's aging housing stock.
Local guidance
Help understanding your options.
As an independent agency, Willoughby compares options from carriers including The Hartford, Hanover, and Security Mutual. We help you review coverage for the properties you own and understand the choices available. We are local to Western New York and have served the area since 1952.
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and more through our agency network.