Schedule a Review
Schedule a 30-Min Review
COMMERCIAL PROPERTY INSURANCE

Protect the Property Your Business Depends On.

Your equipment, inventory, furnishings, and buildings represent a significant investment in your business. Whether you own your location or lease your space, compare property insurance options from multiple companies with independent advice on what to insure, how much coverage to carry, and how a policy would calculate payment after a covered loss.
Schedule a 30-Min Review
PROTECTION FOR YOUR BUSINESS ASSETS

Your Business Property Is More Than Just a Building.

Walk through your workspace and consider what you would need to replace after a major loss. Include property you own, lease, or are responsible for insuring, and account for improvements you’ve made to the space. Those details are the starting point for choosing coverage that reflects your investment.
/01

Buildings & Structures

For buildings you own, building coverage can help pay for repairs or rebuilding after a covered loss. Compare the amount of insurance you carry with current rebuilding costs, and check how your policy would calculate payment.

/02

Business Equipment

Machinery, computers, and tools can be costly to replace after theft, fire, or another covered loss. Include owned and leased equipment in your review. Mechanical or electrical breakdown may require additional coverage.

/03

Inventory & Supplies

Your stock levels may change throughout the year. Coverage for inventory, materials, and supplies should account for what’s on hand—including seasonal increases—so your limits reflect what could be lost.

/04

Furniture & Fixtures

Desks, shelving, counters, and other furnishings add up. Include these items when valuing your business contents, and identify improvements you’ve made to leased space so responsibility for insuring them is clear.

BUILT AROUND YOUR PROPERTY

What Would Your Policy Pay After a Loss?

How your policy calculates payment can make a substantial difference after a covered loss. Replacement cost coverage generally pays based on repairing or replacing property with comparable materials or items. Actual cash value generally reduces payment to account for age and wear. Check how much the policy will pay, your deductible—the amount you pay toward the claim—and any requirements for repairing or replacing the property.
  • KEEP YOUR COVERAGE CURRENT

Your Property Can Change While Your Insurance Stays the Same.

Businesses continually invest in their locations, equipment, inventory, and operations. If your coverage hasn’t been reviewed recently, the protection you originally purchased may no longer reflect what your business has today.
Schedule a 30-Min Review
You’ve Purchased New Equipment
New machinery, technology, tools, or other equipment can increase the value of the property your business needs to protect.
1
You’ve Renovated Your Location
Remodeling, expansions, and improvements may affect your property values and coverage needs.
2
Your Inventory Has Increased
Business growth or seasonal changes can significantly affect the amount of inventory you keep on hand.
3
Replacement Costs Have Changed
Construction, materials, equipment, and labor costs can change over time, making existing coverage limits worth reviewing.
4
  • OUR APPROACH

The Right Coverage Starts With Understanding Your Needs.

Every situation is different. We take the time to understand what you’re protecting, review your current coverage, and help identify potential gaps so you can make informed decisions with confidence.
Commercial property insurance can help protect buildings, equipment, inventory, furniture, and other property your policy insures against certain losses. What it covers, how much it will pay, and the amount you pay toward a claim depend on the policy you choose.
Your landlord’s insurance doesn’t automatically protect your business property. Equipment, inventory, furnishings, and improvements you’ve paid for may need your own coverage. Your lease can also make you responsible for insuring certain property, so bring it to the review.
Start with a current inventory and realistic repair or replacement estimates. Include leased equipment and improvements you’re responsible for, along with seasonal increases in stock. Then choose coverage amounts that reflect how your policy would calculate payment and a deductible your business could manage.
Yes. Ideally, discuss a major purchase before the equipment arrives. Share its value, how it will be used, and where it will be kept. That gives time to check the coverage and arrange any needed changes.
LET’S START WITH A CONVERSATION

Get Clear Answers About Your Property Coverage.

Whether you’re opening a new location, investing in equipment, or reviewing an existing policy, understand what protection is available for the property you depend on. Talk through your priorities with us and compare options from multiple insurance companies.
Schedule a 30-Min Review
Discuss Your Coverage

Create an account to access this functionality.
Discover the advantages

Create account