Commercial Property Insurance
Coverage for the buildings, equipment, inventory, and physical property your business depends on.
Commercial Insurance
Coverage That Matches the Exposure
Your property is more than an address. It is the equipment you use, the inventory you carry, the improvements you have made, and the place where your business operates. Commercial property coverage can help protect those physical assets when covered losses occur.
What This Coverage Can Help Address
- Buildings and structures
- Business personal property
- Equipment and machinery
- Furniture, fixtures, and inventory
- Certain losses from fire, theft, storms, and other covered events
Who Should Consider It
Is This Relevant to Your Business?
Property owners, retailers, offices, manufacturers, service businesses, and organizations that own or rely on physical business assets.
Common Questions
Commercial Property Insurance FAQs
Does commercial property insurance cover the building and its contents?
A policy can be structured to cover a building, business personal property, or both. The right setup depends on whether you own or lease the location and what property your business needs protected.
Is flood damage automatically included?
Flood is commonly handled separately from standard commercial property coverage. An agent can help identify whether separate flood protection should be considered.
How much property coverage does a business need?
Limits should reflect the value and replacement needs of the property being insured. A review of the building, equipment, inventory, and other assets helps determine appropriate limits.