Protect the business property.
Coverage for buildings, equipment, inventory, and business personal property in the event of a covered loss.
Commercial property insurance helps protect the physical assets your business relies on — the building, equipment, inventory, and contents. Coverage options and perils covered can vary between policies, so we help you understand the differences and review options from multiple markets.
Buildings
Coverage for the physical building or structure your business occupies in the event of a covered loss.
Business Personal Property
Coverage for furniture, fixtures, equipment, and other personal property used in your business.
Equipment & Machinery
Coverage options may include machinery and equipment essential to your operations, subject to policy terms.
Inventory
Coverage for stock and inventory, subject to policy limits and valuation terms.
Fire
Coverage for fire-related losses to buildings and business property, subject to policy exclusions.
Theft
Coverage for theft of business property, subject to policy terms and limits.
Water Damage
Coverage for certain sudden and accidental water damage, subject to policy exclusions and limits.
Business Income
May help replace lost income and cover extra expenses after a covered loss, subject to policy terms.
For businesses with physical assets at stake.
If your business owns or leases a building, relies on equipment, or holds inventory, commercial property coverage may help protect those assets against covered losses.
Whether you own the building or insure only your contents as a tenant, we help review options that match what you actually have at risk.
Building Owners
Owners who lease or operate from a commercial building may insure the structure itself.
Tenant Property
Tenants may insure their business personal property, fixtures, and improvements, even when they don't own the building.
Manufacturers
Manufacturers may need coverage for equipment, stock, and raw materials.
Retailers
Retailers often carry significant inventory and fixtures that represent a major property investment.
Understanding commercial property.
Does commercial property cover the building and its contents?
Coverage may include both the building and business personal property, depending on whether you own or lease the space and how the policy is structured.
What perils are typically covered?
Commercial property may cover perils such as fire, theft, and certain water damage, subject to policy exclusions and limits.
Are flood and earthquake included?
Flood and earthquake are generally not included in a standard commercial property policy. Separate coverage may be available where eligible.
How is property valued?
Property may be valued on a replacement cost or actual cash value basis. We help explain how each approach affects your coverage and premium.
Request a property review.
Tell us about your building, equipment, and inventory and we'll help you review commercial property coverage options.