Whether you own an office, run a retail store, lease a warehouse, or operate a restaurant, your business property is a major investment. Commercial Property Insurance protects the buildings, equipment, inventory, and furnishings your business relies on—so you can bounce back quickly after a loss.

Commercial Property Insurance typically covers damage or loss caused by:

–    Fire and Smoke

–   Theft and Vandalism

–   Storms and Wind

–   Burst Pipes and Water Damage

–   Falling Objects or Vehicle Collisions

–   Riots or Civil Disturbances

–   Buildings you own or lease

–   Office Furniture & Fixtures

–   Business Equipment & Tools

–   Inventory & Merchandise

–   Outdoor Signage & Fencing

–   Loss of Income due to covered events (can be added as an endorsement)

-Business Interruption Insurance: Covers lost income and operating expenses during restoration.

-Equipment Breakdown: Covers mechanical breakdown of HVAC, refrigeration units, etc.

-Spoilage Coverage: Ideal for restaurants and grocers—protects against perishable goods loss.

-Ordinance or Law Coverage: Covers the cost to bring a building up to current code after a loss.

-Flood & Earthquake Coverage:  Typically excluded—available as separate endorsements or policies.

–   Retail Store Owners

–   Restaurant Operators

–   Medical & Dental Offices

–   Office-Based Businesses

–   Manufacturers & Distributors

–   Real Estate Investors & Landlords

–   Auto Shops & Service Garages

Property damage can disrupt your business overnight. With the right coverage in place, you can rebuild, repair, and reopen with confidence—without risking financial devastation.