Commercial Property Insurance
Comprehensive coverage for your building, equipment, inventory, and other business property
What is Commercial Property Insurance?
Commercial Property Insurance protects your business's physical assets from covered losses such as fire, theft, vandalism, and natural disasters. It covers buildings you own or lease, as well as equipment, inventory, furniture, and other business property.
Why You Need It: Your business property represents a significant investment. Without proper insurance, a single fire, theft, or natural disaster could force you to close your doors permanently.
Commercial property insurance ensures you can repair or replace damaged property and continue operating after a covered loss, protecting your business's financial stability.
What's Covered
Building Coverage
Protection for the physical structure of your building, including walls, roof, floors, and permanently installed fixtures and equipment.
Business Personal Property
Coverage for equipment, inventory, furniture, supplies, and other movable property owned by your business.
Business Interruption
Compensation for lost income and ongoing expenses if your business must temporarily close due to a covered property loss.
Equipment Breakdown
Protection for mechanical and electrical equipment failures, including HVAC systems, computers, and machinery.
Outdoor Property
Coverage for outdoor signs, fences, landscaping, and other property located outside your building.
Valuable Papers & Records
Protection for important documents, records, and data, including the cost to research and recreate lost information.
Types of Coverage Available
We offer flexible coverage options to meet your specific needs:
Named Perils Coverage
Covers only the specific perils listed in your policy, such as fire, lightning, explosion, windstorm, hail, smoke, vandalism, and theft. This is typically the most affordable option.
Special Form (All-Risk) Coverage
Covers all causes of loss except those specifically excluded in the policy. This provides broader protection and is recommended for most businesses.
Replacement Cost Coverage
Pays to replace damaged property with new property of similar kind and quality, without deduction for depreciation. This ensures you can fully restore your business.
Common Claim Scenarios
Fire Damage
A fire breaks out in your building, causing extensive damage to the structure, equipment, and inventory, requiring months of repairs.
Theft & Burglary
Thieves break into your business overnight and steal computers, tools, inventory, and other valuable equipment.
Water Damage
A burst pipe floods your office, damaging flooring, walls, furniture, and electronic equipment.
Storm Damage
A severe windstorm damages your roof, allowing rain to enter and damage interior property and inventory.
Related Insurance Products
General Liability
Protect your business from third-party claims of bodily injury and property damage.
Learn More →Business Owners Policy
Bundled coverage combining property and liability insurance at a discounted rate.
Learn More →Workers Compensation
Required coverage for employee injuries that occur on your business premises.
Learn More →Get Your Commercial Property Quote Today
Protect your business assets with comprehensive commercial property insurance. Our experts will help you determine the right coverage for your needs.
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