All risks writes commercial property insurance with key occupancies in multi family housing apartments condos commercial real estate manufacturing warehousing hospitality inland marine vacant locations or schedules and other hard to place risks catastrophic exposure is a primary driver for our brokerage property placements regardless of construction age or occupancy other drivers outside of cat include occupancy age construction and loss experience. For example in california a number of commercial and personal property insurers are restricting the number of policies they will write in areas that are at risk from wildfire some are also requiring that property owners create buffer areas around their buildings to reduce the chances of them catching fire during an event. A commercial all risks policy is an alternative and wider basis of cover to that provided by a fire and special perils policy cover is provided for accidental loss or destruction of or damage to the property insured all types of loss or destruction of or damage to the property insured are covered provided the cause is not specifically excluded from the policy. Commercial all risk insurance is a type of property insurance policy form that will provide for loss or damage arising out of all perils except those which are specifically excluded named peril form basic property insurance policy forms specify coverage only for losses caused by named perils