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.
Florida Commercial Property Insurance at a Glance
- Covers your building, equipment, inventory, furniture, and signage against fire, wind, theft, and vandalism
- Business Interruption coverage replaces lost income if you're forced to close after a covered event
- Flood and earthquake are typically excluded — separate policies are needed for these perils
- Replacement Cost coverage pays to rebuild or replace without depreciation deductions
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
Protect Your Business Assets
Don't leave your building, equipment, and inventory unprotected. Get a free commercial property quote today.