Commercial Property Insurance
Protect your business assets, buildings, and equipment from unexpected losses
What is Commercial Property Insurance?
Commercial Property Insurance protects your business's physical assets from damage or loss due to fire, theft, vandalism, natural disasters, and other covered perils.
Whether you own or lease your business space, this coverage ensures that your building, equipment, inventory, furniture, and other business property are protected against unexpected events that could disrupt your operations.
From retail stores to manufacturing facilities, property insurance is essential for any business with physical assets to protect.
What Does Property Insurance Cover?
Comprehensive protection for all your business property and assets
Buildings & Structures
Coverage for the physical structure of your business location, including walls, roof, and foundation.
Equipment & Machinery
Protection for business equipment, machinery, tools, and specialized apparatus.
Inventory & Stock
Coverage for products, materials, supplies, and goods held for sale or use.
Electronics & Technology
Protection for computers, servers, telecommunications equipment, and technology systems.
Furniture & Fixtures
Coverage for office furniture, shelving, displays, and permanent fixtures.
Outdoor Property
Protection for signs, fences, landscaping, and other outdoor business property.
Covered Perils
Protection against a wide range of risks and hazards
Fire & Smoke
Damage from fires and smoke
Lightning
Lightning strikes and electrical damage
Wind & Hail
Storm damage and hail impact
Water Damage
Burst pipes and water leaks
Theft & Burglary
Stolen property and break-ins
Vandalism
Malicious damage to property
Vehicle Impact
Damage from vehicle collisions
Explosion
Explosion-related damage
Coverage Options
Choose the right coverage type for your business needs
Replacement Cost
Pays to replace damaged property with new items of similar kind and quality, without deduction for depreciation.
- Full replacement value
- No depreciation deduction
- Higher premium
Actual Cash Value
Pays the depreciated value of damaged property, considering age and wear and tear.
- Current market value
- Depreciation applied
- Lower premium
Agreed Value
Pre-agreed amount paid in the event of a total loss, eliminating disputes over property value.
- Predetermined payout
- No coinsurance penalty
- Requires appraisal
Frequently Asked Questions
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