Is commercial property insurance required by law?

It’s not typically required by law, but lenders and landlords often require coverage as part of lease or financing agreements. Unknown block type "ctaBar", specify a component for it in the `components.types` option

Does this coverage apply if I only lease my space?

Often, yes. Even businesses who do not own the building they occupy may still need coverage for business personal property, inventory and improvements made to leased spaces. Unknown block type "ctaBar", specify a component for it in the `components.types` option

What’s replacement cost coverage vs. actual cash value coverage?

Replacement cost coverage typically pays to repair or replace damaged property with new property of similar kind and quality, without deducting for depreciation. Actual cash value coverage factors in depreciation, meaning the payout reflects the property’s age, condition, and remaining useful life, which can result in lower claim payments. Unknown block type "ctaBar", specify a component for it in the `components.types` option

Does commercial property insurance cover floods or earthquakes?

Standard policies usually exclude flood and earthquake damage, which require separate coverage. Unknown block type "ctaBar", specify a component for it in the `components.types` option

Does property insurance cover equipment breakdown?

Mechanical or electrical breakdown is often excluded and may require separate equipment breakdown coverage. Unknown block type "ctaBar", specify a component for it in the `components.types` option

Business Insurance for Property

Commercial property
insurance

From storefronts to storage rooms, commercial property insurance can help your business manage costs from covered property losses such as building damage, equipment loss, inventory destruction and more.

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Introduction

What is commercial
property insurance?

Commercial property insurance helps pay for the repair or replacement of your business's physical assets, such as buildings, equipment and inventory, that are destroyed or damaged by covered perils like fire, theft, or certain weather events.

Commercial property insurance may also include business interruption coverage, which can help replace lost income when your business operations are temporarily shut down due to a covered loss.

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The Coverage

What can commercial property insurance cover?

Building Damage

Helps cover damage to owned buildings and attached structures caused by covered events like fire, storms, or burst pipes.

Business Personal Property

Helps cover equipment, furniture, inventory, and tools used in operations when damaged or destroyed by covered losses.

Inventory Loss

Helps replace raw materials, finished goods, or stock damaged by covered events like fire, theft, or certain water-related events.

Equipment and Machinery

Helps cover business-owned equipment essential to operations when it’s damaged by covered property losses.

Business Interruption

Helps replace lost income and cover ongoing expenses when operations are temporarily suspended due to a covered property claim.

Property in Transit

Helps cover certain property while temporarily offsite or in transit, depending on endorsements and policy structure.

Coverage described above is general; actual coverages, definitions, and exclusions vary by policy form, state and insurer.

Top Industries

Who can benefit from
commercial property insurance?

Commercial property insurance can be helpful for businesses that depend
on equipment, inventory, or physical locations in order to maintain their daily operations.

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Retail Businesses

Building and Inventory

Restaurants & Food Delivery

Building, Equipment and Inventory

Manufacturing Businesses

Building, equipment & Biz Interruption

Service Professionals

Equipment and Inventory

Fitness & Wellness Businesses

Building and Equipment

Schools & Nurseries

Building and Furniture

Additional Coverage

Other types of coverage
you might need

While commercial property insurance helps cover certain physical assets, many businesses need additional forms of insurance to address claims arising from third-party property damage, employee injuries, and cyber-related losses that are not typically covered in a commercial property policy.

General Liability Insurance

Liability coverage for your
everyday operations

General liability insurance can help cover third-party bodily injury or property damage claims that are not covered by commercial property insurance.

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Common Questions

Commercial property
FAQ’s

Got questions? Don’t worry, you’re not alone. Here are some of the most common questions from business owners about commercial property insurance.

It’s not typically required by law, but lenders and landlords often require coverage as part of lease or financing agreements.

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