Commercial property insurance helps your business recover when fire, theft, vandalism, wind, hail, or other covered events damage your building or contents. Whether you own your location, lease a suite, or operate out of a home office, we can tailor a policy to the actual property you depend on.
What it covers
A standard commercial property policy can cover the building, permanently installed fixtures, machinery, equipment, inventory, furniture, and business personal property. It also includes business income coverage in many cases, helping replace lost revenue and pay ongoing expenses if a covered loss forces you to temporarily close or slow down operations.
Who needs it
Retailers, restaurants, contractors, warehouses, offices, manufacturers, and landlords with commercial tenants all need property protection. If you have a lease, your landlord may require it. If you have a mortgage on a commercial building, your lender will almost certainly require it.
How we help
We start with a quick review of your building, contents, and revenue. Then we shop the carriers that write your class of business best, so you get the right coverage limits and deductibles without overpaying. Need coverage for a specific risk like earthquake, flood, or equipment breakdown? We can add endorsements to fit your exposure.
- Building and structure coverage
- Business personal property and inventory
- Equipment, fixtures, and machinery
- Business income and extra expense
- Theft, vandalism, and weather losses
- Certificates of insurance for landlords and lenders