- Commercial & ASTM PCA Coverage
Commercial Inspections & ASTM PCAs: Breaking Past the 100,000 Sq. Ft. & Basic Asset Limits
Bidding on a hotel, restaurant, medical clinic, or large mixed-use property?
Choose How to Get Covered
Apply Online (Fastest): Submit Online Application
Download PDF: Home Inspection Application
Call Direct: 959-205-9982
Email Broker: john@madronainsurance.com
Text: 202-714-1200
20 Years of Protecting Inspectors Where Others Draw the Line
Where Standard Coverage Stops
For two decades, Madrona Insurance has helped property inspectors grow their businesses safely. While typical brokerages sell cookie-cutter programs, we understand the real-world operational divide between basic home inspections and true commercial due diligence.
Most inspectors don’t realize until it’s too late: standard industry inspection policies (including typical programs from Elite or InspectorPro) put a tight leash on commercial work.
Strict Size Caps
Hard limits typically cut off at 100,000 square feet.
Basic "Safe" Asset Classes Only
Habitational (apartments, condos, co-ops), basic office suites, simple retail, and light warehouse space.
Consultant Exclusions
No coverage when you hire outside trade specialists or engineers to assist you.
If you get a call to inspect a multi-story hotel, a thriving restaurant franchise, an urgent care medical facility, or a multi-tenant mixed-use complex, standard insurance regularly excludes it.
We don't.
The Untapped Commercial Market
High-Margin Assets You Can Now Inspect
Transitioning beyond basic habitational and warehouse units opens the door to high-tier commercial transactions where investors and lenders demand thorough ASTM E2018 or CCPIA-compliant Property Condition Assessments (PCAs). With our policy, you are fully cleared to inspect the asset classes that standard carriers avoid:
Stand-Alone Restaurants & Bars
Commercial kitchens, grease interceptors, complex HVAC makeup air systems, fire suppression (Ansul), and heavy utility loads.
Hotels, Motels & Hospitality
Multi-story guest buildings, centralized commercial boilers, public pools/spas, ADA accessibility compliance, and massive life-safety networks.
Mixed-Use Developments
Ground-floor retail/restaurants integrated with upper-level residential or commercial units—often carrying conflicting structural and utility demands.
Off-Site & Outpatient Medical Facilities
Urgent care clinics, dental suites, and specialized diagnostic centers with unique power backup, ventilation, and plumbing requirements.
Facilities Over 100,000 Square Feet
Mega-distribution hubs, regional shopping centers, corporate headquarters, and multi-building portfolios—zero square-footage caps.
Entertainment & Specialty Venues
Theaters, health clubs/fitness centers, private schools, and assembly spaces.
The Numbers
What These Excluded Asset Classes Actually Pay
| Property Type | Scope & Complexity | Typical Inspection Fee |
|---|---|---|
| Stand-Alone Restaurant / Fast Casual | Kitchen MEP, grease/fire systems, high patron traffic | $2,500 – $5,000 |
| Outpatient Medical / Urgent Care | Specialized mechanical, life safety, ADA access | $3,500 – $6,500 |
| Mid-Size Hotel / Motel (50–120 keys) | Guest wings, commercial roofs, centralized heating/cooling | $6,000 – $15,000+ |
| Mixed-Use Center (Retail + Multi-Family) | Multi-metered utilities, shared fire/life safety, structural | $4,500 – $10,000+ |
| Large Logistics Facility (150k–400k+ sq. ft.) | Extensive structural framing, vast roofs, retention basins | $8,000 – $25,000+ |
Capturing just one or two of these specialized inspections a month can easily add $60,000 to $150,000+ in gross revenue to your bottom line.
Don't Let a 100,000 Sq. Ft. Cap or a "Restaurant Exclusion" Cost You a $5,000 Fee
Get Trained for Complex Commercial Assets
Where to Build Your Commercial Skill Set
CCPIA (Certified Commercial Property Inspectors Association)
The industry standard for commercial inspectors. Offers specialized courses on inspecting commercial kitchens/restaurants, commercial plumbing/electrical, life-safety systems, and bidding ASTM/ComSOP jobs.
ASTM International Training
In-depth instruction on applying the ASTM E2018 Standard Guide for Property Condition Assessments, giving you the exact methodology required by commercial lenders and equity buyers.
Carson Dunlop Commercial Building Courses
Comprehensive technical modules covering large commercial mechanical systems, multi-zone HVAC, flat roofing membranes, and structural evaluations.
ASHI & AHIT Commercial Training Programs
Ideal transition programs for seasoned residential inspectors bridging into commercial mechanical, electrical, and life safety systems.
Why Madrona?
Real Protection for Complex Commercial Real Estate
No Square-Footage Ceilings
Inspect 50,000 sq. ft. or 500,000 sq. ft. without worrying about a hidden policy threshold voiding your claim.
Specialty Asset Endorsements
Full coverage for restaurants, hospitality, medical offices, and mixed-use structures.
Sub-Consultant Vicarious Liability
Coverage when you subcontract specialized engineers or trades (e.g., commercial kitchen hood inspectors, elevator techs, structural engineers).
Complete E&O + On-Site General Liability
Protection against missed capital costs in your Property Condition Report (PCR) plus on-site bodily injury/property damage protection during multi-tenant walkthroughs.
Stop Walking Away from High-Dollar Commercial Bids
Unlock high-fee commercial inspections with an agency that has stood with inspectors for 20 years.