Protect the Building Your Business Runs On

Commercial Property Insurance

Whether you own your building or lease your space, a single fire, break-in or water loss can stop your operation cold. Commercial property insurance covers the physical side of your business so a bad day does not become a closed business.

Policies differ widely on how a loss is paid. Replacement cost puts a new item in place of the old one; actual cash value subtracts depreciation first. We will show you the difference in plain language and make sure your limits reflect what it actually costs to rebuild and restock today, not what you paid years ago.

Most policies also carry sub-limits and exclusions that surprise owners at claim time. We read them with you up front, so there are no gaps waiting to be found.

What it typically covers

• › The building and permanent fixtures
• › Machinery, tools and equipment
• › Inventory and stock on hand
• › Furniture, computers and office contents
• › Outdoor signs, fencing and landscaping
• › Tenant improvements to a leased space
• › Lost income while you rebuild, when business interruption is added

Building owners

If you hold the title, the structure is yours to insure — and your lender will require it.

Tenants

Your landlord insures the shell, not your equipment, inventory or build-out. Those are on you.

Contractors & trades

Shops, yards and stored tools need coverage that follows how the work actually moves.

Landlords

Rental and mixed-use buildings need loss-of-rent protection alongside the structure.