Commercial Property Insurance
What Is Commercial Property Insurance?
Commercial Property Insurance covers physical assets that your business owns or leases. It helps you recover from losses caused by:
Fire or explosions
Theft and vandalism
Storms and natural disasters
Equipment damage or failure
Burst pipes or other accidental water damage
This policy ensures that if your property is damaged, your business doesn’t suffer a complete financial setback.
What Does Commercial Property Insurance Cover?
Typical coverage includes:
The building (if owned by you)
Furniture and fixtures
Inventory and supplies
Electronics and computers
Machinery and equipment
Outdoor signage
Improvements or upgrades to leased space
Optional endorsements can extend coverage to outdoor property, off-premise equipment, and business income interruption.
Who Needs Commercial Property Insurance?
Any business that owns physical property should have commercial property coverage. It’s especially important for:
Restaurants and Bars
Retail Stores
Offices and Clinics
Warehouses and Manufacturing Units
Salons and Studios
If you lease or own a commercial space—or even operate a business from home with valuable inventory or equipment—you should be covered.
Enhance Your Business Owner’s Policy with These Additional Coverages
Workers’ Compensation Insurance
In most states, you're legally required to carry workers' compensation insurance to cover employee expenses related to work-related injuries or illnesses, including medical bills, lost wages, and rehabilitation.
Professional Liability Insurance
Professional liability insurance protects you and your business if you're accused of negligence in the services you provided—even if no actual mistake was made. It offers peace of mind by covering legal costs and potential damages, helping you maintain your reputation and financial stability.
Commercial Auto Insurance
Commercial auto insurance covers expenses resulting from an accident when you or your employees are at fault. If vehicles are used for business purposes, carrying appropriate commercial vehicle insurance is essential.
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