Commercial Property Insurance

Protect Your Property. Protect Your Business.

Your commercial property is more than a building. It may contain equipment, inventory, furniture, technology, and other assets that are essential to keeping your business running.

At SecureWay Insurance, we help business owners explore commercial property insurance options designed to provide financial protection against certain covered property losses and help safeguard the physical assets their businesses depend on.

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Coverage availability, benefits, limits, exclusions, deductibles, and pricing vary by insurer, business type, location, property, policy, and individual circumstances.

PROTECTION FOR YOUR COMMERCIAL PROPERTY

Unexpected events such as fire, theft, vandalism, storms, and other covered causes of loss can cause serious damage to a business property.

The right commercial property insurance can help you manage certain covered repair, replacement, and recovery expenses.

Whether you own an office, retail store, warehouse, restaurant, apartment building, or another commercial property, SecureWay Insurance can help you explore coverage options based on your business and property needs.

OUR COMMERCIAL PROPERTY INSURANCE COVERAGE OPTIONS

Building Coverage

If you own your commercial building, building coverage may help protect the physical structure against certain covered losses.

Depending on the policy, this may include eligible:

Walls and ceilings
Roof
Floors
Doors and windows
Permanently installed fixtures
Plumbing systems
Electrical systems
Other covered building components

Coverage is subject to the policy’s terms, conditions, exclusions, limits, and deductible.

Business Personal Property Coverage

Your business may depend on valuable property inside your building.

Business personal property coverage may help protect eligible items such as:

Furniture
Computers
Office equipment
Machinery
Tools
Inventory
Supplies
Other business property

Equipment Coverage

Businesses often rely on equipment to operate efficiently.

Depending on your policy, eligible equipment may be protected against certain covered causes of loss.

For additional protection against certain mechanical or electrical breakdowns, Equipment Breakdown Insurance may also be appropriate.

Inventory Coverage

If your business stores products or merchandise, inventory coverage may help protect eligible inventory against certain covered losses.

This can be particularly important for:

Retail businesses
Wholesalers
Manufacturers
Distributors
Restaurants
Warehouses
E-commerce businesses

Loss of Income / Business Interruption Coverage

A covered property loss could temporarily prevent your business from operating normally.

Depending on the policy, business income coverage may help with certain eligible income losses and continuing expenses resulting from a covered loss.

This may help with:

Lost business income
Certain continuing operating expenses
Necessary additional expenses
Temporary arrangements
Other eligible costs

Coverage is subject to applicable policy terms, conditions, limits, and waiting periods.

Extra Expense Coverage

Sometimes a business must spend additional money to continue operating following a covered loss.

Depending on the policy, extra expense coverage may help with certain eligible costs such as:

Temporary relocation
Equipment rental
Expedited services
Temporary operating arrangements
Other necessary expenses

Outdoor Property Coverage

Depending on the policy, certain eligible outdoor property may be covered against specified causes of loss.

This may include items such as:

Signs
Fences
Landscaping
Outdoor equipment
Other eligible property

Coverage availability and limits vary by policy.

WHAT CAN COMMERCIAL PROPERTY INSURANCE HELP PROTECT AGAINST?

Depending on the policy selected, commercial property insurance may provide protection against certain covered causes of loss, which can include:

Fire
Smoke damage
Theft
Vandalism
Certain wind damage
Certain hail damage
Certain water-related damage
Falling objects
Certain weather-related losses
Other covered causes of loss

Not every loss is covered. Policy exclusions, conditions, deductibles, and limits apply.

WHO MAY NEED COMMERCIAL PROPERTY INSURANCE?

Office Buildings

Protect eligible buildings, office equipment, furniture, and other business property.

Retail Stores

Help protect your store, inventory, equipment, and other eligible business assets.

Restaurants

Explore coverage options for buildings, kitchen equipment, furniture, inventory, and other eligible property.

Warehouses

Protect eligible buildings, inventory, equipment, and business property stored at your facility.

Manufacturing Businesses

Explore protection for your facility, machinery, raw materials, inventory, and other eligible property.

Apartment & Commercial Property Owners

Property owners can explore coverage options designed around eligible commercial buildings and their associated property risks.

WHAT CAN AFFECT THE COST OF COMMERCIAL PROPERTY INSURANCE?

Commercial property insurance premiums vary depending on the business and property.

Factors that may influence pricing include:

Property location
Building value
Building age
Construction type
Occupancy
Business type
Property size
Replacement cost
Security systems
Fire protection systems
Claims history
Coverage limits
Deductible
Selected coverage options
Insurance company underwriting factors

The best way to determine your actual premium is to request a personalized quote.

HOW MUCH COMMERCIAL PROPERTY INSURANCE DO YOU NEED?

Choosing appropriate coverage limits is important because insufficient coverage can leave a business financially exposed following a major loss.

Consider Your Building’s Value

If you own the building, consider the estimated cost to repair or rebuild it following a covered loss.

Consider Your Business Property

Calculate the value of furniture, computers, equipment, machinery, inventory, and other eligible business property.

Consider Your Business Income

Think about the potential financial impact if a covered loss temporarily prevents your business from operating.

Consider Your Location

The location of your property can affect the types of risks your business may face.

Consider Your Deductible

A deductible is the amount you may be responsible for paying toward a covered loss before insurance responds, subject to the policy terms.

PROPERTY OWNERS VS. BUSINESS TENANTS

Commercial property insurance needs can differ depending on whether you own or rent your business premises.

If You Own the Building

You may need coverage for the building itself, along with eligible business personal property and other exposures.

If You Rent the Property

You may not need to insure the building itself, but you may need coverage for your business property, improvements, equipment, inventory, and other eligible assets.

Your lease may also require specific insurance coverage.

COMMERCIAL PROPERTY & BUSINESS INTERRUPTION

Property damage isn’t always the only financial concern following a major loss.

If a covered event forces your business to temporarily close or reduce operations, business income coverage may help with certain eligible financial losses.

For example, a covered fire could damage your premises and prevent you from serving customers.

Commercial property coverage may help address eligible property damage, while business income coverage may help address certain eligible income losses resulting from the covered interruption.

Coverage depends on the policy and applicable limits, conditions, and exclusions.

WAYS TO HELP PROTECT YOUR COMMERCIAL PROPERTY

Insurance is only one part of managing property risks.

Businesses can also consider:

Installing security systems
Maintaining smoke detectors
Using appropriate fire protection equipment
Maintaining electrical systems
Regular equipment inspections
Properly securing doors and windows
Maintaining plumbing systems
Keeping emergency plans
Protecting important business records
Regularly reviewing insurance coverage

Taking preventive measures may also help reduce the likelihood or severity of certain losses.

WHY CHOOSE SECUREWAY INSURANCE?

Personalized Guidance

We help make commercial property insurance easier to understand so you can make informed decisions about protecting your business assets.

Coverage Options

Explore available protection based on your property, business operations, assets, and individual circumstances.

Straightforward Service

We explain insurance in clear, easy-to-understand language.

Protection for Your Business Assets

Your commercial property can represent a significant investment. The right insurance may help protect eligible assets against certain unexpected losses.

Support When You Need It

We’re here to help you understand your options and navigate your commercial property insurance needs.

GETTING COMMERCIAL PROPERTY INSURANCE IS SIMPLE

1. Tell Us About Your Property

Provide information about your building, location, business type, equipment, inventory, and other relevant assets.

2. Identify Your Property Risks

Consider the potential risks your business and commercial property may face.

3. Explore Your Coverage Options

Review available coverage, limits, deductibles, exclusions, and pricing.

4. Choose Your Protection

Select coverage that fits your property and business circumstances.

5. Protect Your Business

Once your policy is issued and active, maintain your coverage according to its terms and requirements.

FREQUENTLY ASKED QUESTIONS

What is commercial property insurance?

Commercial property insurance provides financial protection against certain covered losses involving eligible business buildings and property, subject to the policy’s terms, conditions, exclusions, limits, and deductibles.

Who needs commercial property insurance?

Businesses that own or lease commercial property may benefit from commercial property coverage. The appropriate coverage depends on the business, property, lease arrangements, and individual circumstances.

Does commercial property insurance cover theft?

Depending on the policy, eligible business property may be protected against certain covered theft losses.

Does commercial property insurance cover fire damage?

Many commercial property policies provide coverage for certain fire-related losses, subject to the policy’s terms, conditions, limits, and exclusions.

Does commercial property insurance cover business interruption?

Some policies may include or offer business income coverage, which may help with certain eligible income losses resulting from a covered property loss.

Does commercial property insurance cover inventory?

Eligible inventory may be covered under business personal property coverage, subject to applicable policy terms, limits, exclusions, and deductibles.

Does commercial property insurance cover equipment breakdowns?

Standard commercial property coverage and equipment breakdown coverage address different risks. Separate equipment breakdown coverage may be available for certain mechanical or electrical failures.

Does commercial property insurance cover flooding?

Flood damage may be excluded from standard commercial property policies. Separate flood insurance may be available depending on the property and location.

Can a business tenant get commercial property insurance?

Yes. A business tenant may need coverage for eligible business personal property, equipment, inventory, improvements, and other exposures even if the building is owned by someone else.

How can I get a commercial property insurance quote?

Click Get a Quote and provide information about your commercial property, business operations, assets, and coverage needs. Available options and pricing will depend on your circumstances and applicable insurer guidelines.

READY TO PROTECT YOUR COMMERCIAL PROPERTY?

Protect Your Property. Protect Your Business.

Your commercial property is an important part of your business. Let SecureWay Insurance help you explore commercial property insurance options designed around your property, assets, and business needs.

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