Commercial Property Insurance, explained.
Covers the building, contents, inventory and equipment that keep the business running.
Commercial Property Insurance
Commercial Property insures the physical assets of your business, the building you own or lease, your inventory, computers, furniture and the equipment you depend on. It pays to repair, replace, or rebuild after a covered loss.
A fire, storm, theft, or burst pipe can shut a business down for months. Property coverage and the business income coverage that pairs with it, keep you open.
Is this for you?
Inside a Commercial Property policy.
When this coverage pays off.
Fire in the shop
A fire destroys inventory and damages the building. Property coverage rebuilds; business income covers lost revenue while you reopen.
Burglary at the warehouse
Tools and inventory are stolen overnight. The policy pays to replace stolen items.
Burst pipe damages computers
A pipe failure ruins workstations and stock. Coverage responds to property damage and the time you’re unable to operate.
Plain-language answers.
Replacement cost rebuilds without depreciation; ACV deducts depreciation. We almost always recommend replacement cost.
Both are typically excluded and need standalone policies, we offer Commercial Flood and Commercial Earthquake.
It replaces lost revenue and pays continuing expenses while you can’t operate due to a covered loss.
Ready for a Commercial Property quote?
Fill the short intake form and we’ll shop across multiple carriers, or call us and we’ll get you a quote on the phone.