Commercial Property
Insurance
Your building, equipment, inventory, and business personal property — all covered against fire, theft, vandalism, and more. Don't let a single incident wipe out what you've built.
What commercial property covers
Property insurance questions
Do I need property insurance if I rent my space?
Yes — your landlord's policy covers the building, not your contents. Commercial property covers your furniture, equipment, inventory, and leasehold improvements.
What is business interruption insurance?
An add-on (or inclusion) that replaces lost income and covers ongoing expenses when a covered property event forces you to close temporarily. Critical for businesses with high fixed overhead.
What perils are typically excluded?
Flood and earthquake are almost always excluded and require separate policies. Most other sudden, accidental damage (fire, theft, pipe burst) is covered. Read the policy carefully.
How is my property value determined?
You can insure at replacement cost (what it costs to replace with new) or actual cash value (replacement minus depreciation). Replacement cost is almost always worth the small premium difference.