Commercial property insurance covers the physical assets your business depends on — your building or leased space, equipment, furniture, inventory, and tools — against fire, theft, vandalism, and many weather events. It can also include business income coverage that replaces lost revenue while you recover from a covered loss. We assess what you’d need to replace to get back up and running, then shop carriers to protect it without overpaying. For many small businesses we bundle it with liability into a cost-saving BOP.
Who this is for
Building owners
Businesses that own their location and need the structure protected.
Tenants & lessees
Leased spaces with valuable improvements, equipment, and inventory.
Equipment-heavy trades
Operations with expensive tools, machinery, or stock to replace.
What it covers
- Building & leased improvements
- Equipment, furniture & inventory
- Tools and movable property
- Business income / extra expense
- Wind, hail, fire, theft & vandalism
- Bundles into a Business Owner’s Policy
What commercial property covers
Commercial property protects the physical things your business depends on against fire, theft, vandalism, and many weather events. That’s broader than just “the building”:
- Building — if you own your location
- Business personal property — furniture, equipment, machinery, and inventory
- Tenant improvements — the build-out and fixtures you added to a leased space
- Tools and movable property — including coverage off-site or in transit
- Signs, fencing, and outdoor property
Business income: the coverage owners forget
The fire or storm damage is only half the loss — the other half is the weeks or months you can’t operate. Business income (and extra expense) coverage replaces the revenue you lose while you recover and helps pay the added costs of getting back up fast, like renting a temporary location. We set that limit to how long a realistic rebuild would actually take, not an optimistic guess.
How much coverage — and replacement cost
We base your limits on what it would cost to replace your property at today’s prices, and we steer you toward replacement-cost (rather than depreciated actual-cash-value) terms wherever it makes sense. For most small businesses, the most cost-effective way to buy this is bundled with liability in a Business Owner’s Policy — we’ll quote it both ways.