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Commercial Property Insurance

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Commercial Property Insurance Provided By Our Agency

The place you do business says a lot about your success. Maybe your wholesale company acquired a second warehouse. Or you might have added extra stations at your beauty salon. Whatever purpose your commercial property serves, you need to protect it from the unexpected. As a small business owner, too, we understand your challenges — and can help you understand your coverage options so you can select the coverage you want.

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Damage to property
Loss of important documents
Loss of inventory
Making risky investments

Damage to property coverage

Risk Factors

Your small business is located in California and it’s been an especially dry season. Unfortunately, California is prone to wildfires. Your business property is destroyed in the fire.


Your insurance company will cover the cost of rebuilding the property, income lost during the time period of rebuilding, and any equipment that was destroyed in the fire.

Loss of important documents coverage

Risk Factors

A sudden circuit failure in the night burns down a room full of important documents and past records.


Your insurance company will be paying you for the reimbursement of making the documents again.

Loss of inventory coverage

Risk Factors

You show up at your business office to find the door ajar and broken glass everywhere. You see that all of your computers have been stolen.


If you chose replacement cost value under your property insurance, your insurance company will replace the broken window and computers.

Making risky investments coverage

Risk Factors

Storms sweep through your area and a tornado touches down close to your small business. A tree has fallen through the side wall damaging your furniture badly.


Your insurance company will process your claim and cover the cost of repair or replacement to your commercial property.

Personal Possessions Coverage

Risk Factors

You mastered the basics of surfing during lessons in Hawaii but your wedding ring is stolen.


With personal possessions coverage, lost jewellery is covered up to your policy limits.

What is Commercial Property insurance?

Commercial property insurance is something every company needs – whether you own your building, lease, or work from home. One of the core coverages in commercial property insurance protects your building and its contents and exterior fixtures, such as a fence or outdoor sign.

Commercial property insurance protects your company's physical assets from fire, explosions, burst pipes, storms, theft, and vandalism. Unfortunately, earthquakes and floods typically aren't covered by commercial property insurance unless those perils are added to the policy.

What does Commercial Property insurance cover?

Commercial property insurance covers your building, everything in it, and just outside of it, including:

  • Computers
  • Furniture and equipment
  • Exterior signs
  • Fence and landscaping
  • Important documents
  • Inventory
  • Others' property

What additional Commercial Property insurance can you buy?

Losses and damages to real or personal property are covered by commercial property insurance. For instance, a property insurance policy would cover damage to your office from a fire. Additional property insurance for businesses is available, such as:


Boiler and Machinery Insurance

The accidental breakdown of boilers, machinery, and other equipment is covered by boiler and machinery insurance, sometimes known as "equipment breakdown" or "mechanical breakdown coverage."


Debris Removal Insurance

The price of clearing away debris after a fire, flood, windstorm, etc., is covered by debris removal insurance.

Builder's Risk Insurance

Buildings are protected while being built thanks to builder's risk insurance. For instance, a Builder's risk coverage would pay losses if a windstorm destroys your condo complex that is just partially finished.


Glass Protection

Both storefront and plate glass windows are covered by glass insurance.


Inland Marine Insurance

Property in transit and other people's possessions on your property are both covered by inland marine insurance. For instance, if there was a fire at your dry cleaning company, this insurance would pay for the damage to customers' clothing.


Business Interruption Insurance

Property damage or loss-related lost revenue and expenses are covered by business interruption insurance.


Ordinance or Law Insurance

When your building is largely destroyed, ordinance or law insurance pays the costs of dismantling and reconstructing it in compliance with the law (usually 50 percent). However, only the replacement value is covered by property insurance; the upgrade is not.


Tenant's Insurance

Tenants on commercial leases are frequently required to maintain a specific level of insurance. For instance, a renter's commercial policy protects changes you make to your rented space from damage and harm to the building from employee negligence.


Crime insurance

Crime insurance covers property crimes such as stealing money, securities, shares, and fixtures from insiders and outsiders, as well as burglaries and other forms of robbery.


Fidelity Bonds

A bond company compensates damages brought on by a bonded employee stealing goods and cash from the company.

The Importance of Commercial Property insurance

No matter what size your business is or the nature of the business, accidents and losses happen. In addition, a business faces losses because of fires, thefts, storm damage, flooding, traumatic events, and even power outages.

Because we can't predict when or if these things will ever happen on our property, it is important always to have the right protection with complete commercial property insurance.

Contact us today to learn more about commercial property insurance and your various options.

Already have Commercial Property Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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