Commercial Property Insurance
Protect the physical assets that keep your business running — buildings, equipment, inventory, and more.
What's Covered
What Commercial Property Covers
Building Coverage
Covers the physical structure of your owned business building — walls, roof, flooring, and built-in fixtures.
Business Personal Property
Covers your furniture, equipment, inventory, and supplies whether inside or temporarily outside your premises.
Fire & Smoke Damage
One of the most common commercial losses — fire and smoke damage to your building and contents is fully covered.
Theft & Vandalism
Covers losses from burglary, robbery, and vandalism to your business property and equipment.
Business Interruption
Covers lost income and ongoing expenses if a covered loss forces you to temporarily close or reduce operations.
Equipment Breakdown
Covers repair or replacement of key equipment — HVAC, boilers, electrical systems — when they break down unexpectedly.
FAQ
Common Questions
Does commercial property cover flood or earthquake?
Standard commercial property policies exclude flood and earthquake damage. Separate flood and earthquake policies are available — we can help you evaluate whether you need them based on your location.
I rent my business space — do I need commercial property insurance?
Yes. Your landlord's policy covers the building structure, but not your business personal property, equipment, or inventory. Tenants should carry their own commercial property coverage.
What is business interruption insurance?
Business interruption (also called business income) coverage replaces lost revenue and covers ongoing expenses like rent and payroll if a covered event forces you to close temporarily. It is often bundled in a Business Owners Policy (BOP).
Protect your business assets today
One claim without the right coverage could shut your business down. We make sure you're protected.