Commercial Property Coverage That Protects Your Business From the Ground Up
From fire and theft to storms and equipment damage, commercial property insurance helps cover the spaces and physical assets your business depends on—so you can recover quickly and keep moving forward.

Coverage for the Unexpected & Unavoidable
Whether you own your building or lease your space, we help protect what you’ve built—from inventory and tools to signage and furnishings.

Building & Structure Protection
Protects your owned commercial buildings from covered perils like fire, wind, or vandalism.
- Covers repairs or rebuilding
- Applies to structures you own
- May be required by lenders or leases
- Helps minimize downtime after damage

Business Personal Property
Covers everything inside your space—from inventory to office equipment.
- Includes furniture, fixtures, inventory, electronics, and tools
- Applies even if you rent your space
- Critical for retail, office, and service businesses
- Helps you get back to work faster after a loss

Loss of Income & Extra Expense
Provides financial support when your business operations are interrupted.
- Covers lost revenue from a covered property claim
- Includes temporary relocation or rental space
- Helps pay employee wages and ongoing bills
- Keeps your recovery on track

Common Questions About Commercial Property
Do I need this coverage if I lease my space?
Yes—your landlord may cover the building, but not your equipment or contents inside.
Can I combine this with other policies?
Absolutely. Many businesses package commercial property with general liability for efficiency.
Does this cover flooding or earthquakes?
Not typically. We’ll help you add special coverage if those risks apply to your location.
How is the value of my property determined?
We’ll help you choose between actual cash value or replacement cost, depending on your goals.