For commercial insurance brokers
Cover does not travel with the building.
When commercial property changes hands, the seller's cover does not pass to the buyer. Insurable interest ends at title transfer, and standard anti-assignment terms prevent the policy being handed over. A buyer must bind their own cover on or before closing, and a lender will not fund without a certificate naming it. PropTrova surfaces the transactions and ownership changes that create that need, with the evidence behind them.
The problem today
What is fragmented
By the time a broker hears about a closing, the cover has usually been placed by whoever was already in the room.
What changes
How the work is different
- Ownership changes, recorded transactions and live listings are read as signals with a stated reason.
- Entity-level sales are flagged separately: the policy stays in the entity's name, but change-of-control terms usually require the insurer to be told, and an undisclosed change of beneficial ownership can void cover.
- The parties behind the asset are resolved, so the approach goes to whoever actually decides.
- Each signal states what changed, why it matters, how sure the reading is, and the records behind it.
Outputs
What you end up holding
01
An opportunity queue filtered to the families that matter to you
02
A property record with its ownership and control resolved
03
Evidence links behind every signal
What this does not do
Stated limits
PropTrova does not give insurance advice, place cover, or confirm that a policy exists. Whether and when a transaction closes is outside its knowledge.
See what PropTrova can establish about an opportunity.
Access is granted to working commercial real estate teams while the design-partner programme is under way.