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Business coverage

Commercial Property Insurance

Commercial property insurance pays to repair or replace your building, inventory, equipment, and furnishings after a fire, storm, theft, or vandalism. If you have a mortgage or lease your space, the lender or landlord almost certainly requires it in writing — and even if they don't, replacing a gutted storefront out of pocket is a bill few businesses survive.

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Who this coverage is for

Commercial property insurance is for any business that owns or rents a physical space, or that keeps valuable equipment, inventory, or furnishings on-site. It fits everyone from a corner cafe to a warehouse operation.

What it can help protect

This coverage helps you rebuild and recover after physical damage to the things your business depends on:

  • Buildings — helps repair or rebuild your owned building after a covered event like fire or storm damage.
  • Equipment and furnishings — helps replace machinery, computers, tools, and office furniture.
  • Inventory and stock — helps cover products and supplies lost to a covered loss.
  • Tenant improvements — helps with upgrades you made to a space you lease.
  • Covered perils — typically responds to events like fire, theft, vandalism, and certain weather damage.
Regularly misunderstood coverages
Commercial Property vs. Business Interruption

The building itself vs. the income it earns.

Related comparisons:

Key choices and underwriting factors

A licensed review will usually focus on property schedule and values, construction, occupancy, and protection details, and catastrophe discussion with flood/earthquake as needed.

Common Questions