Commercial Realty
Kelly Desjarlais
Sales Executive, Commercial and Personal · McCAM Insurance Brokers
Commercial Realty Specialist
Meet Your Specialist"Insurance isn't just about the premium — it's about understanding the total cost of risk to the business."
With nearly 30 years at McCAM Insurance specializing in commercial risk, Kelly Desjarlais works with owners and managers of low-rise commercial realty — office buildings, retail plazas, mixed-use properties, and professional buildings — to understand what could impact their operations, cash flow, reputation, and long-term growth.
Clients often describe Kelly as easy to talk to and always available — someone who makes complicated insurance issues simple, identifies gaps before they become claims, and is straightforward about exactly where you stand.
Key Risks for Commercial Realty Owners.
A quick overview of the exposures commercial property owners and managers face most often.
Property Damage & Equipment Failure
Fire, water loss, weather events, or mechanical failure can damage roofs, HVAC systems, electrical infrastructure, and common areas.
Tenant & Public Liability
Slip-and-fall incidents, tenant injuries, and third-party claims in parking lots, stairwells, and shared spaces.
Loss of Rental Income
Extended vacancies or business interruption events can cut off rental income and ongoing operating expenses.
Contractor & Maintenance Exposure
Renovation projects, snow removal, and improperly managed subcontractors can create liability gaps.
Underinsurance & Rising Replacement Costs
Valuations and replacement cost estimates that don't reflect current rebuilding expenses, code upgrades, or inflation.
Is Your Property Valued for What It Would Actually Cost to Rebuild?
Many commercial property owners are working from valuations and replacement cost estimates that haven't kept pace with rebuilding costs, code upgrades, or inflation.
A coordinated review realigns your coverage with lender, investor, and lease requirements — so a large loss doesn't turn into a funding gap.
Let's Review Your Commercial Realty Coverage.
Tell us a bit about your business and a McCAM specialist will review where you may be exposed — no obligation.