Commercial Property Insurance

Commercial property insurance protects your business buildings, equipment, inventory, and furniture from fire, theft, and natural disasters.

Your building, equipment, and inventory — protected.

Commercial property insurance covers your business's physical assets — buildings, equipment, inventory, furniture, and supplies — against damage or loss from fire, theft, vandalism, storms, and other covered events. It also covers lost income when damage forces you to temporarily close.

What Commercial Property Insurance Covers

Building & Contents

Commercial property insurance covers the cost to repair or rebuild the structure and replace damaged contents up to your policy limits.

Business Income / Interruption

Business income coverage replaces lost revenue and covers ongoing expenses while your business is unable to operate.

Equipment Breakdown

Equipment breakdown coverage, available as an endorsement to your property policy, pays for repair or replacement and any resulting business income loss.

Who Needs This Coverage?

Any business that owns or leases a physical space, stores inventory, or relies on equipment to operate.

What Happens Without It

A burst pipe floods your retail store over a holiday weekend, destroying $120,000 in inventory and forcing a three-week closure. Without commercial property insurance, you absorb the full cost of damaged inventory, repairs, and lost revenue during the closure. Many businesses never recover from an uninsured property loss.

Real-World Example

A restaurant's commercial kitchen catches fire, causing $200,000 in structural damage and destroying all equipment. The restaurant is closed for two months during repairs. Commercial property insurance covers the building repairs, equipment replacement, and two months of lost income — allowing the owner to reopen without bankruptcy.

RISKX — Commercial Insurance Agency | Licensed in All 50 States | (800) 400-8398 | [email protected]