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Insurance template

Commercial Property SOV Template

A schedule of values CSV template for property insurance submissions, including location, address, occupancy, construction, total insured value, and currency fields.

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Who it is for

Property insurance brokers, risk managers, real estate teams, and analysts preparing commercial property submissions.

Best use cases

  • Property renewal submissions
  • SOV cleanup
  • Location schedule collection
  • TIV validation
  • Underwriter data requests

Related workflow

Used in: Schedule of Values Cleanup Workflow

Use this template as the property data collection sheet before cleaning, documenting, and scoring the submission.

Feeds into tools

Schedule of Values Cleaner
Check missing fields, duplicates, and inconsistent property values.
Submission Readiness Score
Score whether the completed SOV is ready for underwriter review.

Template fields and structure

The starter structure is designed to work in Excel, Google Sheets, Power BI, insurer portals, internal trackers, or client-facing documents.

location_idaddresscitycountryoccupancyconstructiontotal_insured_valuecurrency

Copyable CSV / spreadsheet structure

location_id,address,city,country,occupancy,construction,total_insured_value,currency
LOC-001,14 King Street,Manchester,UK,Food manufacturing,Steel frame with composite panels,3750000,GBP

Example filled row

Use the example as a quality benchmark for how specific each row should be before the file is used in a workflow or tool.

location_idaddresscitycountryoccupancyconstructiontotal_insured_valuecurrency
LOC-00114 King StreetManchesterUKFood manufacturingSteel frame with composite panels3750000GBP

How to use it

  1. Add one row per insurable location.
  2. Keep addresses, occupancy, construction, and values as complete as possible.
  3. Use consistent currency and value definitions before submitting to market.
  4. Run the completed file through the SOV cleaner before sharing.

What a completed version should prove

OKEach location has a complete address, occupancy, construction, currency, and value basis.
OKTotals can be reconciled to the client schedule, broker submission, or insurer request.
OKUnusual values, duplicate locations, and missing COPE details are visible before market submission.

Common mistakes to avoid

!Using inconsistent location names or partial addresses.
!Combining building, contents, stock, and business interruption values without clear labels.
!Submitting old values without checking inflation, acquisitions, closures, or occupancy changes.

Use this with

Related guides

Frequently asked questions

What is an SOV?

A schedule of values lists insured property locations and values, usually for commercial property insurance underwriting and renewal.

Can I add more columns?

Yes. Add roof, year built, protection, flood zone, COPE, BI values, or other fields requested by underwriters.