Strip Malls • Shopping Centers • Retail Plazas

Strip mall insurance built for the tenants, the parking lot — and the mortgage.

Every lease you sign changes your risk — the taqueria, the nail salon, the smoke shop. We put 20+ retail-property carriers in competition to beat your price, and a real broker answers when you call.

Straight talk

We paid about $300 to get you to this page, and we intend to earn it. That’s why a real broker from Johal Insurance Brokers will call you back within one hour of submission. You won’t get a hundred calls from random brokers. You’ll get one call from us, and we’ll handle everything start to finish. Let’s get you saving on your property. Drop your info to the right.

A real broker calls you within the hour
The Commercial Property Owner's Guide to Insurance Costs →
🧮 Estimate Your Property Premium →
See how much you can save
Four fields. No long form. A real broker reviews it and calls you within the hour.
No spam. No robocalls. One licensed broker calls you within the hour. CA, TX, IL & MO risks only.

How to Get the Fastest Quote Possible

If this is a brand new purchase, you can ignore this. But if you already have existing coverage, contact your current insurance company and request something called a loss run. It will be emailed to you and must be submitted when we quote. We recommend getting it now — whether you go with us or shop elsewhere, any broker will need it. This is one of the biggest things that slows down getting a property quote.

Sixty seconds to twenty carriers fighting for you

Three steps. One real broker. No call center, no runaround.

1Tell us about your strip mall

The quick form above — four fields, that’s it.

2We shop 20+ A-rated carriers

A real broker puts carriers in competition for your business.

3You pick the winner

A broker calls you within the hour with your options and straight advice.

Why a broker beats a single carrier

Every name below sells you one policy — take it or leave it. We work for you, not a carrier, so we put all of them plus more A-rated companies in competition for your strip mall and make them fight over your price. Competition is how premiums come down.

They sell one policybiBERKHiscoxGEICOTravelersThe HartfordLiberty MutualChubbNationwideProgressiveState FarmAmTrustGuardWe shop them all + more They sell one policybiBERKHiscoxGEICOTravelersThe HartfordLiberty MutualChubbNationwideProgressiveState FarmAmTrustGuardWe shop them all + more

What actually drives your strip mall rate

Carriers look at strip malls through a different lens than other commercial property — tenant mix and the parking lot move the needle as much as the building itself. These are the levers underwriters price on:

  • Tenant mix — a restaurant, dry cleaner or auto shop adds 15–30% each; low-risk tenants price far better.
  • Roof age & condition — in Texas and Illinois, a roof over 10 years old can trigger surcharges or non-renewal.
  • Parking lot condition — cracked asphalt, faded striping and poor lighting are liability red flags carriers now photograph.
  • Replacement cost valuation — a building that cost $180/sq ft to rebuild in 2020 can run $240+/sq ft now; undervaluation triggers coinsurance penalties.
  • Location risk scores — wildfire (CA), hail/hurricane (TX) and crime (IL) all feed carrier pricing models.
  • Claims history — a single slip-and-fall in three years can harden your account; clean loss runs are your best asset.
  • Loss of rents period — with permitting delays and contractor backlogs, you need 12+ months of business income coverage.
  • Liability limits — parking lots drive claims; $2M/$4M limits with an umbrella are the smart floor.

A complete strip mall policy should include replacement-cost property, general liability, loss of rents (business income) and ordinance & law — with tenant liability requirements and umbrella coverage layered on where relevant.

Commercial property insurance costs vary widely by building type, location, and risk factors. Our clients typically save $300 to $800 per month by working with us. We shop multiple A-rated carriers, negotiate discounts on construction class, sprinklers, roof age, and occupancy, and help you avoid costly coverage gaps. See the full cost guide for your property type.

View Full Cost Guide
Strip Mall Insurance: Complete Guide to Coverage & Costs (2026) →

Who we insure

Strip malls, neighborhood convenience centers, community shopping plazas and retail centers of all sizes across California, Texas and Illinois — including properties with restaurant, salon and auto tenants.

We answer when you call — and we fight at renewal

We pick up when you call. We fight for your price at renewal, not just year one. And we tell you the truth even when it costs us the sale. If your current price is fair, we’ll say so. If you’re overpaying, we’ll show you by how much.

Ready to see what 20+ retail-property carriers will do for your strip mall?

One licensed broker calls you within the hour. No call center.

See How Much I Can Save