PROPERTY INSURANCE
Protect the property
your business relies on.
Commercial property insurance helps protect buildings, business personal property, equipment, inventory and income exposures after covered losses.
Different properties.
Different protection.
Whether the business owns the building or leases space, physical assets and income can be exposed to fire, theft, vandalism and other covered causes of loss.
Valuation, deductibles, causes of loss, business-income limits and optional endorsements should be reviewed carefully.
Building Coverage
Helps protect an owned commercial building and permanently installed fixtures against covered direct physical loss or damage.
✓ Dwelling and attached structures
✓ Other structures such as a detached garage or fence
✓ Personal property / belongings
✓ Personal liability protection
✓ Medical payments to others, where available
✓ Additional living expense after a covered loss
Flood and earthquake are generally not included in standard homeowners policies and may be available separately, subject to eligibility.
Business Personal Property
Can help protect furniture, equipment, inventory, tools and other business-owned property at insured locations.
✓ Dwelling and attached structures
✓ Landlord-owned personal property such as appliances
✓ Premises liability protection
✓ Medical payments to others, where available
✓ Loss of rental income / fair rental value after a covered loss
Tenant belongings are not covered under a landlord policy. Tenants should consider renters insurance.
Business Income & Extra Expense
Can help with qualifying income loss and extra expense when a covered property loss interrupts business operations.
✓ Buildings and structures
✓ Business personal property, equipment and tools
✓ Inventory, furniture and fixtures
✓ Business income and extra expense, where included
✓ Equipment breakdown and other optional coverages may be available
Coverage, causes of loss, valuation, limits and deductibles vary by policy and carrier.
Core commercial property coverage areas
Building
✓ Structure and permanent fixtures
✓ Valuation and reconstruction exposure
✓ Ordinance or law may be important
Business Personal Property
✓ Furniture, equipment and computers
✓ Inventory and stock
✓ Tools and contents at insured locations
Business Income
✓ Lost income after a covered loss
✓ Continuing operating expenses
✓ Extra expense where included
Coverage details matter.
Every property and situation is different. Factors like rebuilding cost, property valuation, deductibles, limits, occupancy and how the property is used can all affect your coverage.
We’ll help you understand the important differences between options and find the right protection for your specific needs.
Tell us about renovations, rental use, vacancy, special property features and other changes that could affect underwriting.
Additional coverages to consider.
Flood Insurance
Generally not included in standard policies.
Earthquake Insurance
Generally not included in standard policies.
Valuable Items
Higher-value items may require additional coverage.
Water Backup
May be available as an optional endorsement.
Ordinance or Law
May help with increased rebuilding costs where available.
Equipment Breakdown
May be available for eligible properties.
Umbrella / Excess Liability
Additional liability protection may be available.
Vacancy / Unoccupancy
Special underwriting and coverage considerations may apply.
PROTECT YOUR BUSINESS PROPERTY
Get a commercial property quote or speak with our team about buildings, contents, equipment and business-income protection.
☎ 877-291-9519