insurance for your business property
If disaster strikes your business, commercial property insurance makes recovery bearable
Whether you own your building, lease, or work from home, get the protection you need for the property used in your business
How does commercial property insurance work?
Commercial property insurance protects your company’s physical assets - things like buildings, furniture and equipment, supplies, computers, inventory, customer’s goods, signs, fencing, and even lost income.
The policy will provide financial reimbursement to help recover the cost of items damaged, lost or destroyed from fire, theft, vandalism, burst pipes, explosion, and more. You may even be able to protect against floods and earthquakes, though many times you’ll need separate policies for that.
How you could be affected by commercial property insurance claims
Unfortunately, the “unexpected” happens more frequently than we’d like. And with forty percent of small businesses being likely to experience a property loss, having the right insurance can help alleviate the incredible financial burden of a claim.
What is (and is not) covered by commercial property insurance?
Just like every business is unique, no two commercial property insurance policies are the same. Each policy has limitations, exclusions, and additional optional coverages that you’ll want to be aware of, and have customized to fit your needs, before you buy.
What is typically covered?
Business personal property replacement
Home-based business property replacement
Property in transit or off-site
Computers and media
Furniture and fixtures
Leased or rented property
Customer goods (optional)
Lost income replacement (optional)
Lost rental income replacement (optional)
Water back up (optional)
What is not typically covered?
Floods (hint: you may need flood insurance)
Accidental damage (i.e. dropping something)
Damages to someone else’s property
Damages to your business vehicles
Intentional property damage
Got commercial property insurance questions? We’ve got answers.
Commercial property insurance isn’t required for your business (unless you have a loan or lease), but it is something you should consider. Let us help you decide whether this coverage is right for your business.
Do I need commercial property insurance?
Do I have to buy a business owners policy to get commercial property insurance?
How much does a commercial property insurance policy cost?
How can I reduce the cost of my commercial property insurance?
We love our clients
Our clients are like family. See what they are saying…
“[Berry Insurance’s] knowledge of property and casualty and workers’ compensation insurance gave me confidence that I have appropriate levels of coverage for [my business].”
Get in touch
Keep your investment secured with commercial property insurance
Plan for the unexpected and protect your business assets with commercial property insurance. Simply fill out this form and a member of our commercial insurance team will be in touch.