Question 1

What do you need to quote a hotel or motel?

Accepted Answer

Number of rooms and buildings, and whether corridors are interior or exterior; Franchise flag (and brand) or independent; Annual gross room revenue and average occupancy; Amenities: pool, restaurant, bar, fitness room, meeting or event space; Annual alcohol sales, if any; Any extended-stay or long-term rental rooms Plus the core property details: Named insured (the owner or LLC), mailing address, and the property address(es); Year built, construction type (frame, joisted masonry, non-combustible, masonry non-combustible or fire-resistive), number of stories, and total square footage; Roof type and the year it was last replaced, plus the years the electrical, plumbing and HVAC were last updated; Fire and life safety: sprinklers (full, partial or none), central-station fire and burglar alarms, and distance to the nearest hydrant and fire station; Values: building replacement cost, business personal property (contents), and business income or loss of rents; Your current declarations page and policy expiration date; 3–5 years of currently valued loss runs from your current and prior carriers (skip this if it's a brand-new purchase — give us the closing date instead); More than one location? A statement of values (SOV) listing every building.

Question 2

What do you need to quote an apartment building?

Accepted Answer

Number of units and buildings; Rent roll or annual gross rents, and current occupancy; Any subsidized (Section 8), student or senior housing units; Electrical: wiring type and panel brand (aluminum or knob-and-tube wiring and Federal Pacific or Zinsco panels matter); Pools, playgrounds, gyms, balconies or decks Plus the core property details: Named insured (the owner or LLC), mailing address, and the property address(es); Year built, construction type (frame, joisted masonry, non-combustible, masonry non-combustible or fire-resistive), number of stories, and total square footage; Roof type and the year it was last replaced, plus the years the electrical, plumbing and HVAC were last updated; Fire and life safety: sprinklers (full, partial or none), central-station fire and burglar alarms, and distance to the nearest hydrant and fire station; Values: building replacement cost, business personal property (contents), and business income or loss of rents; Your current declarations page and policy expiration date; 3–5 years of currently valued loss runs from your current and prior carriers (skip this if it's a brand-new purchase — give us the closing date instead); More than one location? A statement of values (SOV) listing every building.

Question 3

What do you need to quote a commercial building?

Accepted Answer

Occupancy of every tenant (office, retail, restaurant, medical, industrial) and the vacancy percentage; Rent roll or annual gross rents; Lease type (gross or triple-net) and who each lease requires to insure what Plus the core property details: Named insured (the owner or LLC), mailing address, and the property address(es); Year built, construction type (frame, joisted masonry, non-combustible, masonry non-combustible or fire-resistive), number of stories, and total square footage; Roof type and the year it was last replaced, plus the years the electrical, plumbing and HVAC were last updated; Fire and life safety: sprinklers (full, partial or none), central-station fire and burglar alarms, and distance to the nearest hydrant and fire station; Values: building replacement cost, business personal property (contents), and business income or loss of rents; Your current declarations page and policy expiration date; 3–5 years of currently valued loss runs from your current and prior carriers (skip this if it's a brand-new purchase — give us the closing date instead); More than one location? A statement of values (SOV) listing every building.

Question 4

What do you need to quote a strip mall or retail center?

Accepted Answer

Tenant list with each tenant's business type and square footage; Restaurant tenants: commercial cooking, hood and fire-suppression system details; Rent roll, vacancy percentage and lease type (gross or triple-net); Parking lot size and lighting, and snow and ice removal arrangements where relevant Plus the core property details: Named insured (the owner or LLC), mailing address, and the property address(es); Year built, construction type (frame, joisted masonry, non-combustible, masonry non-combustible or fire-resistive), number of stories, and total square footage; Roof type and the year it was last replaced, plus the years the electrical, plumbing and HVAC were last updated; Fire and life safety: sprinklers (full, partial or none), central-station fire and burglar alarms, and distance to the nearest hydrant and fire station; Values: building replacement cost, business personal property (contents), and business income or loss of rents; Your current declarations page and policy expiration date; 3–5 years of currently valued loss runs from your current and prior carriers (skip this if it's a brand-new purchase — give us the closing date instead); More than one location? A statement of values (SOV) listing every building.

Question 5

What do you need to quote a warehouse or industrial building?

Accepted Answer

What's stored (commodities), storage height, and whether there's rack storage; Sprinkler type (for example ESFR) and whether it's designed for what's stored; Single- or multi-tenant, tenant list, lease type and vacancy; Dock doors, forklift use, and any manufacturing or processing on site Plus the core property details: Named insured (the owner or LLC), mailing address, and the property address(es); Year built, construction type (frame, joisted masonry, non-combustible, masonry non-combustible or fire-resistive), number of stories, and total square footage; Roof type and the year it was last replaced, plus the years the electrical, plumbing and HVAC were last updated; Fire and life safety: sprinklers (full, partial or none), central-station fire and burglar alarms, and distance to the nearest hydrant and fire station; Values: building replacement cost, business personal property (contents), and business income or loss of rents; Your current declarations page and policy expiration date; 3–5 years of currently valued loss runs from your current and prior carriers (skip this if it's a brand-new purchase — give us the closing date instead); More than one location? A statement of values (SOV) listing every building.

Question 6

What do you need to quote a gas station or convenience store?

Accepted Answer

Number of fueling positions and dispensers, plus canopy size; Underground storage tanks: count, capacity, age, single or double wall, and leak-detection method; Annual fuel gallons and annual inside (convenience store) sales; Alcohol, tobacco, lottery and food-prep sales; any car wash or repair bays; Hours (24/7 or not), brand or independent, and any current tank pollution coverage Plus the core property details: Named insured (the owner or LLC), mailing address, and the property address(es); Year built, construction type (frame, joisted masonry, non-combustible, masonry non-combustible or fire-resistive), number of stories, and total square footage; Roof type and the year it was last replaced, plus the years the electrical, plumbing and HVAC were last updated; Fire and life safety: sprinklers (full, partial or none), central-station fire and burglar alarms, and distance to the nearest hydrant and fire station; Values: building replacement cost, business personal property (contents), and business income or loss of rents; Your current declarations page and policy expiration date; 3–5 years of currently valued loss runs from your current and prior carriers (skip this if it's a brand-new purchase — give us the closing date instead); More than one location? A statement of values (SOV) listing every building.

Question 7

What do you need to quote a condo or HOA association?

Accepted Answer

Number of units, buildings and stories; Governing documents (CC&Rs) — whether the association insures bare walls, walls-in or all-in; Most recent appraisal or reserve study; Current D&O and crime/fidelity coverage and limits; Amenities: pool, clubhouse, gym, elevators Plus the core property details: Named insured (the owner or LLC), mailing address, and the property address(es); Year built, construction type (frame, joisted masonry, non-combustible, masonry non-combustible or fire-resistive), number of stories, and total square footage; Roof type and the year it was last replaced, plus the years the electrical, plumbing and HVAC were last updated; Fire and life safety: sprinklers (full, partial or none), central-station fire and burglar alarms, and distance to the nearest hydrant and fire station; Values: building replacement cost, business personal property (contents), and business income or loss of rents; Your current declarations page and policy expiration date; 3–5 years of currently valued loss runs from your current and prior carriers (skip this if it's a brand-new purchase — give us the closing date instead); More than one location? A statement of values (SOV) listing every building.

Question 8

What do you need to quote contractor general liability?

Accepted Answer

Business legal name, entity type, years in business, and the states and counties where you work; Trade(s) performed, including any roofing, work at heights, or structural work; Annual payroll (owners and employees) and annual gross receipts — this year's estimate and last year's actual; Subcontracted costs, and whether your subs carry their own GL naming you as additional insured; Mix of work: residential vs. commercial, new construction vs. remodel or repair; Typical largest job size and contract insurance requirements (additional insured, waiver of subrogation, primary and non-contributory); Your current GL declarations page and expiration date; 3–5 years of loss runs from your current and prior GL carriers

Question 9

What states and property sizes do you quote?

Accepted Answer

We're licensed and actively writing in California, Texas, Illinois, Missouri, Wisconsin and Louisiana. We specialize in commercial properties valued from $500K to $50M+: apartment buildings, hotels and motels, gas stations and convenience stores, strip malls and retail centers, warehouses and industrial property, office and mixed-use buildings, and condo associations — plus general liability for contractors.

Question 10

Can an AI assistant or agent request a quote for me?

Accepted Answer

Yes. An assistant can send your details and documents to service@johalinsurancebrokers.com using the checklists on this page (a machine-readable version is at /quote-requirements.json ). Include your name, phone and email — a licensed broker will contact you directly and confirm everything with you before anything is bound.

Question 11

What is a loss run and how do I get one?

Accepted Answer

A loss run is a report from your current insurance company listing every claim on your policy — or confirming there were none — usually for the last 3–5 years. Carriers won't release firm pricing without it, and it's the single biggest thing that slows down a property quote. Ask your current carrier or agent for "currently valued loss runs"; they're free and usually emailed within a few days. Any broker will need them, so request them now.

Question 12

How fast can I get a quote?

Accepted Answer

Most properties are quoted the same day. A licensed broker calls you back — usually within the hour during business hours (Monday–Friday, 9–5 Pacific) — and we put 20+ A-rated carriers in competition for your account. A complete submission (the checklist above plus loss runs) is the fastest path to firm pricing.

What you need to get a commercial insurance quote — all in one place.

Documents to have ready

Core property details every carrier asks for