Commercial Property Insurance
Protect your building, equipment, inventory, and business income from fire, storms, theft, and other covered perils. Essential coverage for every Florida business with physical assets.
What's Covered?
Commercial property insurance protects the physical assets that keep your business running.
Building Coverage
Covers your owned or leased commercial building against fire, storms, vandalism, and other covered perils. Includes the structure and permanent fixtures.
Equipment & Tools
Protects your business equipment, tools, machinery, and fixtures — whether they're at your location or at a job site.
Inventory & Stock
Covers your raw materials, finished goods, and merchandise from damage, theft, and destruction.
Business Income / Loss of Income
Replaces lost income and covers ongoing expenses when your business can't operate due to a covered property loss.
Wind & Hurricane
Florida-specific coverage for wind and hurricane damage. Essential in our state — some policies may require a separate wind deductible.
Tenant Improvements
If you lease space and make improvements (build-outs, fixtures), this covers your investment if the space is damaged.
Who Needs Commercial Property Insurance?
Any business with physical assets benefits from commercial property coverage.
Frequently Asked Questions
What's the difference between commercial property and a BOP?
A Business Owners Policy (BOP) bundles commercial property and general liability into one package, often at a lower combined cost. Standalone commercial property insurance may be needed for larger businesses, specialized risks, or when you need more customization than a BOP allows.
Does commercial property insurance cover natural disasters?
Commercial property typically covers wind, hail, lightning, and fire damage. However, flooding and earthquakes require separate policies. In Florida, hurricane/wind coverage is usually included but may come with a separate percentage deductible.
Should I insure for replacement cost or actual cash value?
Replacement cost pays to rebuild or replace at current prices. Actual cash value deducts depreciation. For most businesses, replacement cost provides significantly better protection — the premium difference is usually worth it.
Does my landlord's insurance cover my business property?
No. If you lease your space, the landlord's policy covers the building structure — not your equipment, inventory, furniture, or improvements. You need your own commercial property policy or BOP to protect your business assets.
Protect Your Business Assets
Don't leave your building, equipment, and inventory unprotected. Get a free commercial property quote today.