Property Protection That Works As Hard As You
core Coverages
Commercial property insurance helps protect your physical assets—like buildings, equipment, and inventory—against losses caused by fire, theft, storms, and more.
Whether you own or lease your space, we help you find the right policy to keep your business running smoothly after the unexpected.
Coverage For Your Building & What’s Inside
Building Coverage
Building Coverage
This protects the structure of your building or space, including walls, roof, and permanently installed fixtures, from damage due to covered events like fire, wind, or vandalism.
- Covers fire, wind, hail, and vandalism
- Applies to owned and leased buildings
- Includes electrical systems & HVAC
- Protects attached structures like garages
- Often required by lenders or landlords
Business Personal Property
Business Personal Property
Covers furniture, inventory, computers, and equipment inside your commercial space. If it’s not part of the structure, but helps your business run—it’s covered here.
- Covers movable business property
- Includes inventory & electronics
- Applies on- and off-premises in some cases
- Helps replace damaged or stolen items
- Customizable limits for your operations
Loss of Income Coverage
Loss of Income Coverage
If your property is damaged and you have to pause operations, this coverage helps recover lost income during downtime. It’s essential for business continuity.
- Replaces lost business income
- Applies during property repairs
- Can include rent and payroll coverage
- Supports financial stability after a loss
- Often bundled with property coverage
FREQUENTLY ASKED QUESTIONS
Commercial Property
Here are answers to common questions business owners ask when protecting their space and assets.
What does commercial property insurance cover?
It typically covers buildings, inventory, furniture, and equipment used for business. It also includes certain losses from fire, theft, vandalism, and some weather events, depending on your policy.
Is this coverage required by law?
It’s not legally required, but it’s usually required by landlords or lenders. Even if not required, having coverage is critical for protecting the property that powers your business.
Do I need this if I rent my space?
Yes—tenants are often responsible for insuring their own business property and may still face financial risks after a fire or flood. We can help tailor a plan that works with your lease.
How is the value of my property calculated?
We help assess replacement cost or actual cash value based on the size, condition, and contents of your space. The right valuation helps ensure you’re fully protected after a loss.
Can I bundle this with other commercial coverage?
Absolutely. Many business owners bundle commercial property with general liability or business owners policies (BOP) for better rates and simplified coverage.