★ Commercial · Commercial property
The building, the equipment, the inventory: all of it.
Commercial property insurance repairs or replaces your building and everything in it when fire, theft, wind, or burst pipes hit. And business interruption coverage keeps the bills paid while you are closed for repairs. The part owners underbuy most.
Free quotes · No obligation · A licensed specialist answers, usually within one business day
★ What it covers
What’s covered and what isn’t.
Plain English, no fine-print games. Every policy has exclusions; here are the ones that actually matter for Commercial Property.
What it covers
- The buildingWalls, roof, foundation, permanently installed fixtures. Repaired or rebuilt after a covered loss.
- Business personal propertyFurniture, inventory, computers, machinery. Everything not nailed down.
- Business interruptionLost income plus ongoing expenses like rent and payroll while you are shut down for repairs after a covered loss.
- Equipment breakdownBoilers, HVAC, electrical systems: sudden mechanical failure, which standard fire coverage excludes.
- Ordinance or lawThe extra cost of rebuilding to current code after a loss. Codes change, and older buildings get expensive fast.
What it doesn’t cover
- FloodExcluded on virtually every commercial property policy. Flood needs its own separate policy.
- EarthquakeExcluded in most states; bought separately or by endorsement.
- Wear and tear, rot, and neglectInsurance covers sudden events, not deferred maintenance.
- Employee theftThat is crime / fidelity coverage, not property.
- Property in transitGear on the move belongs on inland marine.
- Long vacanciesAfter roughly 60 days vacant, most policies slash coverage. Tell your agent before the building sits empty.
All quotes are subject to carrier underwriting and final approval. Coverage availability, terms, and pricing vary by state and carrier. The lists above describe typical Commercial Property policies, not any specific carrier’s form.
★ The short version
Without business interruption, a six-week closure after a fire can finish a business the fire did not.
★ Who needs it
If this sounds like you, you need commercial property.
The businesses that buy Commercial Property most, and the one-line reason each one does.
Building owners
Your mortgage requires it, and the building is usually your biggest single asset.
Retailers and restaurants
Leasehold improvements, inventory, and equipment add up fast.
Manufacturers
Machinery values make this the biggest line on the package.
Offices with expensive buildouts
Tenant improvements are your property to insure, not the landlord's.
Warehouses
High inventory values need accurate limits. Underinsuring triggers coinsurance penalties.
★ What it costs
What drives the price.
Carriers price Commercial Property on exposure, not vibes. Here’s what moves your number, and what you can actually influence.
- Construction and age: Masonry and fire-resistive buildings price better than wood frame; older buildings cost more.
- Protection class: Distance to the fire station and hydrants. Rural properties pay more.
- Occupancy: A restaurant kitchen and a law office in identical buildings get very different rates.
- Valuation: Replacement cost versus actual cash value. Replacement costs more but actually rebuilds you.
- Loss history and protective devices: Sprinklers, alarms, and a clean claims record all earn credits.
★ Often quoted together
Pairs well with Commercial Property.
Most businesses don’t buy one policy in isolation. These are the lines commercial property buyers usually quote at the same time. One specialist quotes the whole package.
Business Owner's Policy
General liability + commercial property in one package. The starter policy for small business.
Inland Marine
Tools, equipment, and goods in transit. The property your property policy doesn't follow.
Commercial Umbrella
Extra millions stacked over your GL, auto, and employers liability, for the catastrophic claim.
★ Straight answers
Questions commercial property buyers actually ask.
The short version of what our licensed specialists explain on calls every week.
Replacement cost vs. actual cash value: what is the difference?
Does commercial property cover flood?
What is business interruption, really?
What is a coinsurance penalty?
My building sits empty part of the year: is that a problem?
I lease my space: do I need this?
Get my quote
Get your Commercial Property quote. Two minutes.
Tell us about the business. A licensed specialist shops the carriers and comes back with real options.
- About 2 minutes, built for Commercial Property
- A licensed specialist follows up, usually within one business day
- No bait prices, no call centers, no selling your information
Free quotes. No obligation. Written through Patriot Independent Insurance Partners, licensed in TX, FL, GA, SC, AL, MS, NC, CA, and CO. Your information is never sold to lead brokers.