Protect Your Business Property
Comprehensive coverage for your office space, equipment, inventory, and business assets. Don't let a disaster destroy what you've built.
What Commercial Property Insurance Covers
Your business property faces risks every day. Here's what we protect:
Building & Office Space
Covers damage to your leased or owned office space, including walls, floors, and fixtures.
Business Equipment
Computers, furniture, machinery, and specialized equipment used in your business operations.
Inventory & Stock
Physical products, materials, and supplies stored at your business location.
Business Interruption
Lost income and operating expenses if you can't work due to covered property damage.
Data & Records
Cost to restore or recreate important business documents and digital files.
Signs & Outdoor Property
Business signs, outdoor equipment, and landscaping improvements.
Common Risks We Protect Against
Business property faces many threats. Here are the most common causes of loss:
Fire & Smoke
Electrical fires, kitchen accidents, and smoke damage can destroy equipment and force business closure.
Water Damage
Burst pipes, roof leaks, and flooding can ruin electronics, furniture, and important documents.
Theft & Vandalism
Break-ins, stolen equipment, and vandalism can disrupt operations and require costly replacements.
Natural Disasters
Storms, earthquakes, and other natural events can cause extensive damage to business property.
Power Surges
Electrical surges can fry computers, servers, and other electronic equipment instantly.
Accidental Damage
Dropped equipment, spilled liquids, and other accidents can damage expensive business assets.
Home Office Considerations
Working from home? Your homeowners insurance likely doesn't cover business activities.
Important: Homeowners Insurance Exclusions
Most homeowners policies exclude business activities. If a client is injured in your home office or you're sued for professional mistakes, your personal insurance won't cover it.
- • Business equipment over $2,500 typically not covered
- • No coverage for business liability in your home
- • Lost income not covered under homeowners policy
- • Business interruption not included
What You Need
- Commercial property coverage for business equipment
- General liability for client visits
- Professional liability (E&O) for your services
Coverage Options
- Standalone commercial property policy
- Business Owners Policy (BOP) bundle
- Home-based business endorsement
Coverage Limits & Pricing
Coverage amounts depend on your business type, location, and property value.
Typical Coverage Limits
- Small Office $50K - $100K
- Medium Business $100K - $500K
- Large Operations $500K - $2M+
- Inventory Heavy $1M - $10M+
Cost Factors
- Property value and location
- Business type and risk level
- Security measures and safety features
- Deductible and coverage options
Ready to protect your business property?
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