Commercial insurance
Commercial Property Insurance
Commercial property insurance covers the physical side of a business — the building, the inventory, the equipment inside — against fire, theft, storms, and the other events that can empty a storefront overnight. Whether you own the space or lease it, this is what puts things back together after a loss.
What's covered
Coverage Types
Building Coverage
Structural protection against fire, storms, vandalism, and other covered perils.
Contents Coverage
Covers equipment, furniture, inventory, and other business property inside your building.
Business Interruption
Income replacement and expense coverage during periods of operational disruption.
Equipment Breakdown
Covers mechanical and electrical failures of business equipment.
Who benefits
Who Needs Commercial Property Insurance?
Commercial Property Insurance is designed for a variety of individuals and organizations. Find out if this coverage is right for you.
Get a Personalized QuoteRetail & Hospitality
Stores, restaurants, and hotels with physical locations and inventory.
Manufacturing & Warehousing
Businesses with large facilities and valuable equipment.
Professional Offices
Office-based businesses with equipment and furnishings to protect.
Pricing factors
What Affects Your Premium
Location and building type
Industry and contents value
Security and safety measures (fire alarms, sprinklers, cameras)
Coverage limits and deductibles
FAQs
Frequently Asked Questions
Do small businesses need commercial property insurance?
Does it cover natural disasters?
Is equipment breakdown included?
Do I need coverage if I lease my space?
Related insights
Commercial Property Articles
We compare Commercial Property rates from leading carriers
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Our licensed agents will help you find the right commercial property coverage at a competitive rate. No obligation, no hassle.