Building Coverage
Covers the physical commercial structure, outdoor fixtures, and permanent building additions against covered physical perils.
Commercial property insurance
Commercial property insurance protecting buildings, equipment, and inventory.
Whether you own commercial real estate, lease office space, or operate manufacturing and retail facilities, protect the physical assets critical to your business operations.
Commercial property quote start
What is your commercial property need?
Purchasing a commercial building, satisfying a lease agreement, adding inventory or equipment, or shopping renewal rates is enough to start.
Physical asset protection
Buildings, tenant improvements, and business personal property.
From office buildings and strip centers to warehouses, medical offices, and restaurants, commercial property insurance protects against fire, windstorm, pipe bursts, and vandalism.
What commercial property covers
Comprehensive coverage for commercial assets and business income.
Business Personal Property
Protects inventory, office furniture, machinery, computers, and equipment owned by the business.
Business Interruption
Replaces lost operating income and covers ongoing payroll and operating expenses while your facility is rebuilt or repaired.
Commercial property quote inputs
Key property facts for accurate commercial underwriting.
- Property location & constructionStreet address, square footage, year built, construction type (masonry, steel, frame), and roof age.
- Occupancy & operationsWhat business operations occur on site, tenant occupancy mix, and fire protection/sprinkler systems.
- Values to insureEstimated building replacement cost and total value of business personal property and inventory.
Related coverage
Commercial property markets
We compare standard and specialty commercial property markets.
Market access varies by state, product, risk details, eligibility, and underwriting. A listed company is not a promise of a quote, price, placement, or coverage.
Commercial property-specific underwriting inputs
COPE factors (Construction, Occupancy, Protection, Exposure) guide placement.
Construction & Roof Systems
Fire-resistive masonry vs joisted frame construction and roof replacement age directly influence property rate classes.
Fire Protection & Sprinklers
Automatic fire sprinkler coverage, central station alarms, and distance to the nearest fire hydrant define protection class.
Agreed value & Coinsurance
We help structure agreed-value endorsements to eliminate coinsurance penalties after an unexpected commercial loss.
Commercial property questions
Questions business owners ask before shopping commercial property.
Does commercial property cover my equipment if I take it off-site?
Standard property coverage applies on or near the scheduled premises. For tools and equipment that travel, an inland marine or mobile equipment floater is used.
What is tenant improvements and betterments coverage?
If you lease space and invest in custom flooring, lighting, walls, or fixtures, this coverage protects your investment against damage, even if you don't own the building.
How does business interruption insurance calculate lost income?
It evaluates past financial records to project net income and continuing operating expenses (including payroll) during the time required to restore operations.
Start your commercial property quote