Commercial Property Insurance
Coverage for your buildings, equipment, inventory, and business assets. Protect everything you have invested in your business.
Key Features
What commercial property insurance covers.
Coverage Details
What's included.
Building Coverage
Protection for buildings you own against fire, weather, vandalism, and other covered perils.
Business Personal Property
Coverage for equipment, furniture, inventory, and other assets inside your premises.
Business Interruption
Replaces lost income when a covered loss forces you to temporarily close or relocate.
Equipment Breakdown
Coverage for mechanical or electrical breakdown of equipment, HVAC, and other systems.
Who Needs This
Is commercial property insurance right for you?
Commercial Property insurance is essential for businesses that want to protect against specific risks in their operations. Here's who typically needs this coverage:
FAQs
Common questions.
What is the difference between replacement cost and actual cash value?
Replacement cost covers the full cost to replace damaged property with new items. Actual cash value deducts depreciation, paying only what the item was worth at the time of loss.
Is flood damage covered?
Standard policies typically exclude flood. Separate flood coverage can be added depending on your location and risk profile.
How is property value determined?
We work with you to establish accurate values based on replacement cost estimates, inventory records, and professional appraisals when needed.