Commercial Property Insurance
Keep Your Business Property Safe, Inside and Out
We help Florida business owners protect buildings, inventory, and equipment with reliable, locally informed coverage.
Why Commercial Property Insurance Matters
Your building, equipment, furniture, and inventory are some of your most valuable business assets—and one event could put them at serious risk. In Florida, storms, flooding, and fire aren’t “what-ifs”—they’re real possibilities. Commercial property insurance gives you the means to recover quickly from physical loss or damage so your business can keep moving forward. Whether you own or lease your space, this coverage is the backbone of your operational stability.
What Commercial Property Insurance Can Cover
Buildings & Structures
Covers repairs or rebuilding costs if your office, warehouse, or storefront is damaged by fire, storms, or other covered events.
Equipment & Inventory
Protects machinery, tools, and stock from theft, fire, and unexpected damage.
Furniture & Fixtures
Covers desks, chairs, signage, and other items that help keep your business running.
Loss of Income
Provides financial protection if your business is forced to close temporarily due to covered property damage.
Frequently Asked Questions
Do I need commercial property insurance if I lease my space?
Yes, even if you lease, you may still be responsible for damages to the building and any improvements you’ve made. Additionally, your landlord’s policy likely won’t cover your equipment, furniture, or inventory, making a separate policy essential.
What types of businesses need commercial property insurance?
Any business with a physical location—whether an office, storefront, restaurant, or warehouse—should have commercial property insurance. It protects against unexpected damage that could disrupt operations or cause financial loss.
Does commercial property insurance cover natural disasters?
Most policies cover fire, storms, and vandalism, but flood and earthquake coverage are usually separate. If your business is in a high-risk area, we can help you find additional coverage to stay protected.
How much coverage do I need for my property?
The right amount of coverage depends on the value of your building, equipment, and inventory. Our agents can help witih appropriate coverages discussed between you, the business owner, and your agent.
Can I bundle commercial property insurance with other policies?
Yes! Many business owners combine commercial property insurance with general liability or business interruption insurance for added protection and cost savings. We can create a custom bundle that fits your needs.