Give us a call

Commercial Real Estate

SMC helps commercial property owners and commercial property management companies address many industry-specific risks and opportunities, including:

  • Short-term financing
  • Interest rate fluctuations
  • Tenant retention and satisfaction
  • Significant differences between insurance values and market values
  • Lenders’ insurance requirements
  • Environmental and tenant-related risks

Resources and Benefits for Clients

  • Reduced insurance costs based on thorough analysis of property exposures and clients’ most advantageous risk characteristics
  • Accurate insurance values based on current market conditions and construction costs
  • Coverage placements that facilitate real estate transactions when environmental concerns are involved
  • Cost benefit analysis of earthquake insurance and assistance with lender requirements

How We've Helped Our Clients

  • Negotiated an insurance contract that gave the client cost relief due to the high quality construction and protection of the insured property. The property replacement value was in excess of $300 million, and the client’s premium cost was reduced by over $300,000
  • Created an insurance solution in the London market that reconciled a potential recovery issue between the local government that was authorizing the project and the lenders who were financing the project

Request a Consultation

To discuss your risk management needs with a commercial property risk expert, please contact SMC online or call us at (925) 956-7600.


Our Location

Santa Maria & Company

1550 Parkside Drive, Suite 200
Walnut Creek, CA 94596
Main office: 925-956-7600
Toll free: 866-921-3347
Fax: 925-956-7601

Our Providers


I found the rare breed of insurance company that fights for you and stands by you. If you are looking for an insurance company that has integrity and amazing customer service, I would hands down, wholeheartedly recommend Santa Maria

Eli I., Remodeling Contractor
As a home builder in Northern California, I have endured numerous complicated issues while trying to protect my business from unforeseen liabilities, satisfying the multiple requirements of individual municipalities, and doing so at a reasonable expense. Santa Maria and Company has been instrumental in these dealings by providing quality advice, creative alternative solutions, and excellent service.

Dennis C., Home Builder
Santa Maria & Company helped guide our business through a difficult time by being proactive, informing us of potential obstacles, and avoiding surprises. Their customer focus has clearly covered the present, the future, and the 'what if' conditions that all businesses must deal with. We feel that our company is very well prepared to handle our complicated risk-related issues because of their support and guidance.

Robert M., Equipment Manufacturing Executive
The company is sincere, honest, always looking out for our best interests. They continually work to understand our business, to develop strategies to mitigate our exposure. That gives us a real competitive advantage.

Shaun M., Food Industry Risk Manager
Santa Maria & Company has helped us solve some tough insurance challenges, but they continue to identify emerging risks, such as cybercrime, and help us protect against them. Their customer service is fantastic.

Jeff B., Medical Industry CFO
This company knows the local insurance market better than the larger brokers ever could. They are true experts who take the time to explain all of our coverage options and help us make the right decisions. It's almost like having an insurance professional on staff.

Matt A., Food Industry Executive
It is a real advantage to work with risk insurance experts that have underwriting experience. Since we have been working with Santa Maria, we've grown a great deal and other companies are always trying to win our business. Santa Maria has the expertise in insurance and high tech industry risks that we need and their personal service is excellent.

Cynthia G., Technology Industry Executive