Commercial property insurance protects the physical assets your business depends on: your building, equipment, furniture, inventory and more.
We help business owners set accurate values and understand windstorm deductibles so a covered loss doesn't turn into a financial setback.
What commercial property insurance can cover
- Buildings you own
- Business personal property and inventory
- Equipment and machinery
- Business income and extra expense
- Tenant improvements
- Signs, fences and outdoor property
Good to know in Florida: Windstorm coverage and deductibles are a major factor for Florida commercial property. Flood is excluded and must be insured separately.
Commercial Property Insurance FAQs
Do I need property coverage if I lease?
Yes. Your landlord's policy covers the building, but not your equipment, inventory or improvements.
What is business income coverage?
It helps replace lost income and pay ongoing expenses if a covered loss forces you to close temporarily.
Is flood covered?
No. Commercial flood coverage is available separately.