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.

Looking up at a tall building with a blue sky in the background.

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.

A close up of a broken glass window with a hole in it.

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
A large warehouse filled with lots of shelves and pallets.

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
An empty office with a lot of windows and tables and chairs.

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
A man is walking through a warehouse filled with shelves and boxes.

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.

Let’s Build Your Coverage Together

Get Property Insurance That Supports Your Long-Term Stability