Coverage
Commercial Property Insurance
Your building is often your largest asset. Commercial property insurance protects the structure, your business personal property and the income it produces when fire, wind, theft, vandalism or water damage strike. We place coverage for single buildings and multi‑location portfolios alike.
Who we insure
- Office & medical buildings
- Apartment & mixed‑use properties
- Retail & shopping centers
- Warehouses & industrial
- Hotels & motels
- Gas stations & C‑stores
What’s covered
Building coverage
Repairs or rebuilds the structure, permanent fixtures and installed equipment, written at replacement cost so a loss doesn’t leave you underinsured.
Business personal property
Covers furniture, inventory, machinery and tenant improvements inside the building.
Loss of rents & business income
Replaces lost rental income or operating income while the property is being repaired.
Equipment breakdown
Pays for sudden mechanical or electrical failure of boilers, HVAC, elevators and electrical systems.
Ordinance or law
Covers the extra cost to rebuild to current building codes, a gap many older properties overlook.
Flood, wind & earthquake
Often excluded from standard forms; we place these through specialty markets when needed.
Paying too much for the same coverage?
Send us your current declarations page. We’ll shop it with our carriers and show you a side‑by‑side comparison, no cost, no obligation.