Coworking insurance, finally built for the way you actually run a space.
Proximity Protect is the insurance product line built specifically for coworking and flex space operators by the team behind Proximity. Coverage for your physical location. Coverage for your members. From a broker your local agent can't replicate.
For Operators
Commercial coverage for your business and building
Commercial general liability, property, BOP, and excess and surplus capacity priced for coworking risk profiles. The kind of placement most local brokers can't write because they don't understand what a flex operator actually does. Operators with verified COI compliance programs may qualify for preferred pricing.
- Commercial GL, property, and BOP
- E&S and brushfire capacity
- National coverage
- Coworking-native underwriting
- COI compliance discount available
For Tenants
Instant insurance for dedicated office and private suite tenants
A purpose-built tenant insurance product that satisfies your COI requirement at the moment a member signs their license. No waiting on local agents. No PDF email chains. The Live Link dashboard tracks compliance for every dedicated office in your space, automatically.
- Instant tenant binding
- Live Link compliance dashboard for operators
- Free for operators
- Replaces COI tracking spreadsheets
- Built for dedicated offices and private suites
Why your local broker is mispricing your space.
A standard small-business insurance broker quoting a coworking operation typically defaults to one of two paths. They classify it as a generic office building, which understates the risk and creates coverage gaps when something happens. Or they classify it as a class they have no appetite for and decline you outright.
Either way, you end up with a policy that doesn't account for what coworking actually is — a hospitality business with a property exposure, an access control problem, and a thousand-tenant subrogation question. That's not what main-street brokers underwrite.
Proximity Protect's referral partners write coworking risks every day. National licensing. E&S and brushfire capacity. Coworking-native questions. Quotes back in days, not weeks.
"Most local brokers don't even ask about your dedicated office count. We start there."
Get a discount on your commercial policy by enforcing tenant insurance the right way.
Operators who require certificates of insurance from their dedicated office tenants — and use Proximity Protect's Live Link compliance dashboard to enforce it — may qualify for preferred pricing on their operator commercial policy. A space where every dedicated office tenant carries proper liability coverage is a measurably lower risk than a space that doesn't enforce. We pass that math along.
Turn on Live Link
Free for every Proximity operator. Members buy tenant coverage in 90 seconds; you see compliance status on a dashboard.
Answer one question on your quote
"Do you require COIs from dedicated offices, and do you use Live Link to enforce it?"
Save on your commercial policy
Operators with verified compliance programs may qualify for preferred pricing on their commercial policy.
Frequently asked questions
Most coworking operators need a combination of commercial general liability (CGL), commercial property, and a business owner's policy (BOP) at minimum, plus excess and surplus (E&S) capacity if the location has higher property values or operates in a high-hazard region. Some operators also need cyber, employment practices, and umbrella policies. Tenant-side, every dedicated office occupant should carry their own liability and contents coverage — typically required by the operator's master policy.
Two policies. One platform. One team that actually understands coworking.
Important Disclosures
Insurance products are offered through Proximity Protect LLC, a licensed insurance brokerage and a wholly-owned subsidiary of Proximity Space, Inc., together with its curated wholesale broker partners. Proximity Protect writes tenant liability and COI compliance coverage directly. Operator commercial insurance quotes are placed through a licensed wholesale broker partner that specializes in coworking and flex space. Proximity Space, Inc. is a software platform and is not an insurance company, broker, or agent, and does not transact, solicit, negotiate, or bind insurance. See proximityprotect.com for full disclosures.