For Operators
Commercial insurance built for coworking — not retrofitted from generic commercial lines.
Coverage for your physical location, your operating business, and the unusual risk profile that makes coworking what it is. Placed through a curated program co-developed with brokers who write this class every day.
Get a QuoteWhat's covered
The four core lines most coworking operators need, plus the surplus capacity that makes hard-to-place risks placeable.
Commercial General Liability (CGL)
Protects against third-party claims for bodily injury, property damage, and personal injury arising from your operations. Standard for any coworking business — but the limits and endorsements that matter for coworking are not standard with most brokers.
Commercial Property
Covers your physical location — building (if owned), build-out improvements, furniture, fixtures, equipment, and business personal property. Crucial for operators with significant tenant improvements or specialty fit-outs.
Business Owner's Policy (BOP)
Bundles property and liability into a single policy with business interruption coverage built in. The right structure for most single-location operators with under $5M in property values.
Excess & Surplus / Brushfire
Capacity placed through wholesale and surplus lines markets when standard carriers can't or won't write — for higher property values, wildfire-exposed regions, or high-hazard occupancies. National licensing means we can place where main-street brokers can't.
A brokerage built for coworking
Proximity Protect is a licensed insurance brokerage. We write tenant liability and COI compliance coverage directly for members of the coworking and flex spaces we serve — that's our core book of business.
For operator commercial lines, we partnered with a small, curated group of wholesale brokers to co-develop a program specifically for coworking and flex office operators. Your quote goes to one underwriter who already understands shared workspace, member liability, and COI compliance — not a lead marketplace, not a referral blast.
Operators running a COI compliance program (like Live Link) may qualify for preferred pricing.
The quote process
From submission to bound — what to expect.
Submit your quote request
Takes about 10 minutes. We'll capture your locations, current insurance, and a few coworking-specific underwriting questions.
Underwriter acknowledges
Your dedicated coworking underwriter reviews the submission and acknowledges receipt — typically within 24 hours.
Quote delivered
Most operator commercial quotes come back within five business days. Complex risks may take longer.
Bind or revise
Review the quote, request revisions if needed, and bind when you're ready.
Operators with COI compliance programs may qualify for preferred pricing.
If you require certificates of insurance from your dedicated office tenants and use Proximity Protect's Live Link to enforce it, you may save on your commercial policy.
Learn how the discount worksReady to get a quote?
Get a QuoteImportant 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.