Business Insurance
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.
Inside a Commercial Property policy.
Building (owned or leasehold improvements)
Business personal property (BPP)
Inventory and stock
Computers and electronics
Business income & extra expense
Equipment breakdown (by endorsement)
Is this for you?
Owners of commercial buildings
Tenants improving leased space
Retailers, restaurants, offices
Manufacturers with inventory and machinery
Any business with valuable physical assets
Plain language answers.
Replacement cost vs. actual cash value?
Replacement cost rebuilds without depreciation; ACV deducts depreciation. We almost always recommend replacement cost.
Do I need flood or earthquake on commercial property?
Both are typically excluded and need standalone policies, we offer Commercial Flood and Commercial Earthquake.
What is business income coverage?
It replaces lost revenue and pays continuing expenses while you can’t operate due to a covered loss.
Coverages that pair well with this one.
Ready for a Commercial Property quote?
A short form or a quick call. We’ll shop it across 50+ carriers and come back with options.