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Property Business

Commercial property insurance typically covers your business building or office, equipment, tools, inventory, supplies, computers, business furniture, valuable papers and business records.

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  • Owners and mortgagees
  • Landlords and tenants


  • Owned or leased building
  • Business personal property
  • Property of others in your care
  • Loss of business income
  • Portable equipment
  • Glass or stained glass
  • Exterior Signs
  • Landscaping
  • Business Income
  • Loss of Use

Cost Factors

  • Age of building
  • Location
  • Occupancy
  • Square footage
  • Type of construction
  • Replacement Cost or Market Value
  • Fire and theft protection
  • Claim history
  • Options included on policy tc.

Claim Examples

  • Wind damages your roof
  • Computers are stolen
  • Your customers good are damaged in a fire
  • Valuable papers damage in a fire
  • Business Income Expense – should a covered loss affect your business income
  • Lightening knocks our your server
  • Sign is damaged by a rock from a mower

Property insurance protects your organization’s physical assets from fire, explosions, burst pipes,
storms, theft and vandalism. Earthquakes and floods typically aren’t covered by commercial
property insurance unless those perils are added to the policy (may require a separate policy).

What should I look for in Commercial Property insurance?