Commercial Property Insurance
Commercial Property Insurance
Protecting the Physical Assets That Power Your Business
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.
What Does It Cover?
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
What’s Protected?
- – 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)
Optional Endorsements to Enhance Your Coverage:
| Endorsement | Description |
| 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 |
Who Needs Commercial Property Insurance?
- – Retail Store Owners
- – Restaurant Operators
- – Medical & Dental Offices
- – Office-Based Businesses
- – Manufacturers & Distributors
- – Real Estate Investors & Landlords
- – Auto Shops & Service Garages
Why It Matters
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.
Bundle & Save
Ask us how you can bundle Commercial Property Insurance with General Liability and Workers’ Compensation for a Business Owner’s Policy (BOP) — a powerful package designed to save you money and simplify your protection.
Ready to Protect Your Business Assets?
Call us today at (954) 824-2191 or Request a Free Commercial Property Quote
