Business Property Insurance That Protects What You’ve Built

Buildings, tools, inventory all protected

Why Property Insurance Isn’t Optional

Whether you own a building or lease a workspace, commercial property insurance protects the physical side of your business — from your equipment and tools to inventory and signage. It helps you bounce back fast when disaster strikes, without draining your cash flow.

01

Building Coverage

Covers your office, shop, warehouse, or facility against fire, theft, vandalism, and storm damage — whether you own it or are required to insure it.

02

Equipment & Tools

Protects essential business items like machinery, POS systems, computers, or contractor tools so you can replace them quickly if lost or damaged.

03

Inventory Protection

Safeguards your stock, supplies, and merchandise from covered risks, helping you avoid major losses and downtime.

04

Business Personal Property

Includes furniture, signage, fixtures, and other movable business assets — even if you operate from a rented space.

05

Lease & Lender Requirements

Meets insurance obligations set by landlords or lenders to keep your lease or loan in good standing.

Protection That’s Worth the Investment

When the unexpected happens, you’re ready

A warehouse full of inventory on shelves.

We’ll help you assess what’s worth insuring — and what’s not. Our team builds custom coverage that balances risk and budget, so you're not overpaying or underinsured.

Talk to a Specialist

Client Testimonials

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Understanding Property Coverage

Your physical assets, fully backed

Commercial property insurance protects the things that keep your business running. From fire to flood, tools to tenant improvements, we help business owners understand what’s included and what gaps to avoid.

  • What does business property insurance cover?

    It generally covers your building (if owned), equipment, inventory, furniture, and fixtures from risks like fire, theft, vandalism, and some natural events.

  • Do I need property coverage if I rent?

    Yes. Most leases require tenants to insure their own business property and sometimes the space they rent. We’ll review your lease and make sure you're covered.

  • Does it cover floods or earthquakes?

    Your premium is based on your payroll, industry classification code, and claims history. We help verify your codes and evaluate your mod rating to make sure you’re not overpaying.

  • Can I insure mobile equipment or tools off-site?

    That’s fine. We’ll compare your current rates with private carriers and help you decide if staying with the fund or switching makes more sense financially.

  • How is coverage calculated?

    We’ll work with you to estimate replacement costs (not market value) for your building and assets, so you’re fully protected without overpaying.