Commercial Property Insurance

Insurance for Business Assets and Facilities

Commercial property insurance helps protect the physical assets your business depends on — including buildings, equipment, inventory, furniture, and fixtures. Whether you own or lease your workspace, property coverage can help safeguard your company from financial loss due to covered events such as fire, theft, vandalism, or certain weather-related damage.

Every business has unique property exposures, and coverage should reflect the type, value, and use of your assets.

What Does Commercial Property Insurance Cover?

Coverage may include:

Policies can also be structured to include business interruption coverage, which may help replace lost income if operations are temporarily suspended due to a covered property loss.

Who Needs Commercial Property Insurance?

Businesses that own buildings, lease commercial space, or rely on physical equipment typically benefit from property protection. Many landlords also require tenants to carry property coverage as part of lease agreements.

Coverage depends on the policy structure. Certain risks, such as flood or earthquake, may require separate policies.