What does commercial property insurance typically cover?

It covers your building, business equipment, inventory, and furnishings in the event of damage from fire, storms, vandalism, or theft. It also covers items stored on or near the premises. Optional add-ons are available to extend protection to specific business needs, such as computers or outdoor signage.

Do I need this insurance if I lease my business space?

Yes. Even if you don’t own the building, you’re still responsible for everything inside your business —from furniture to computers and inventory. Many landlords also require tenants to have a property policy in place to comply with lease terms.

What types of damage are excluded from coverage?

Most policies exclude earthquake and flood damage , but these can be added separately. Routine wear and tear or intentional damage are not covered. It’s important to review what is and isn’t included so there are no surprises during a claim.

Is business interruption insurance included?

Not automatically, but it’s a highly recommended add-on . Business interruption coverage helps replace lost income and cover operating costs if your business must temporarily close due to a covered event.

How much commercial property insurance do I need?

Coverage amounts depend on your property value, business type, and risk factors . We help assess your replacement costs and ensure you’re covered adequately—without overpaying. It’s about finding the right fit for your operations and budget.

Commercial Property Insurance

Protect Your Business Property from Loss

Your business relies on the space you operate in and the assets you depend on. Commercial property insurance protects your building, inventory, and equipment from unexpected events like fire, theft, and vandalism. Whether you own your building or lease your space, this coverage helps you recover quickly & confidently after a loss.

Disasters can damage your property & halt business operations—coverage helps minimize costly downtime.

Property insurance protects not only buildings but also equipment, furnishings & inventory.

Even if you lease, you're still responsible for insuring what you own inside the space.

This policy is essential for financial stability, especially for small & mid-sized businesses.

What Commercial Property Insurance Covers

Commercial property insurance provides financial protection for your business’s physical assets, including buildings, fixtures, office equipment, tools, inventory & more. It typically covers losses due to fire, wind, theft, and vandalism, helping you repair or replace damaged property and keep your business running.

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Policy coverage also applies to leased properties, ensuring you can meet the requirements of your lease while protecting your business’s investments. It’s often bundled with general liability in a BOP.

We can help you add extras like business interruption coverage, flood insurance & equipment breakdown, depending on your risk profile.

40%

40% of businesses never reopen after a major property loss

Source: FEMA

$30,000

The average commercial property claim is over $30,000

Source: The Hartford

90%

90% of small businesses lack full disaster insurance coverage

Source: NAIC

Frequently Asked Questions

Your Questions About Commercial Property Coverage

Understanding this coverage helps business owners protect what they’ve worked hard to build. Here’s what you need to know:

What does commercial property insurance typically cover?
It covers your building, business equipment, inventory, and furnishings in the event of damage from fire, storms, vandalism, or theft. It also covers items stored on or near the premises. Optional add-ons are available to extend protection to specific business needs, such as computers or outdoor signage.
Do I need this insurance if I lease my business space?
Yes. Even if you don’t own the building, you’re still responsible for everything inside your business—from furniture to computers and inventory. Many landlords also require tenants to have a property policy in place to comply with lease terms.
What types of damage are excluded from coverage?
Most policies exclude earthquake and flood damage, but these can be added separately. Routine wear and tear or intentional damage are not covered. It’s important to review what is and isn’t included so there are no surprises during a claim.
Is business interruption insurance included?
Not automatically, but it’s a highly recommended add-on. Business interruption coverage helps replace lost income and cover operating costs if your business must temporarily close due to a covered event.
How much commercial property insurance do I need?
Coverage amounts depend on your property value, business type, and risk factors. We help assess your replacement costs and ensure you’re covered adequately—without overpaying. It’s about finding the right fit for your operations and budget.