Protect Your Business Assets

Your Business Deserves the Best Property Protection

Your physical assets — your building, equipment, inventory, and supplies — are the backbone of your business. When disaster strikes, commercial property insurance helps you repair, replace, and recover so you can get back to serving your customers.

As an independent broker representing 142+ carriers, we build commercial property policies that match your specific risk profile and budget. From a small retail storefront to a large commercial facility, we design coverage that protects what you’ve worked so hard to build.

Types of Commercial Property Coverage

Building Coverage

Building coverage insures the physical structure of your business premises — walls, roof, foundation, plumbing, electrical systems, HVAC, and permanent fixtures. If a fire, windstorm, hail, vandalism, or other covered peril damages your building, this coverage pays to repair or rebuild it.

We help you choose between replacement cost coverage (pays to rebuild with new materials at today’s prices) and actual cash value coverage (replacement cost minus depreciation). Most businesses benefit from replacement cost to avoid out-of-pocket gaps at claim time. We also help ensure your coverage limits keep pace with inflation through guaranteed replacement cost endorsements available from many of our top carriers.

Business Personal Property (Contents)

Business personal property (BPP) covers everything inside your building that is not part of the structure itself — furniture, computers, machinery, raw materials, finished inventory, office supplies, and tenant improvements you’ve made to a leased space. If your contents are damaged, destroyed, or stolen, BPP coverage pays to repair or replace them.

One of the most common coverage gaps we see is underinsured contents. Businesses often underestimate the total value of their equipment and inventory. We conduct a thorough inventory assessment to make sure your BPP limits accurately reflect what you own.

Business Interruption (Loss of Income)

Business interruption insurance, also called business income coverage, replaces lost revenue when a covered property loss forces you to temporarily close or reduce operations. It also covers ongoing expenses like payroll, rent, utilities, and loan payments that continue even when your business isn’t generating income.

This coverage is often the difference between a temporary setback and permanent closure. Studies show that 40% of businesses never reopen after a major disaster. Business interruption insurance gives you the financial runway to rebuild, relocate, and reopen. We also recommend adding extended period of indemnity coverage, which continues paying after you reopen until your revenue returns to normal levels.

Equipment Breakdown

Equipment breakdown coverage (formerly known as boiler & machinery insurance) protects your business when mechanical, electrical, or electronic equipment suddenly fails. This includes heating and cooling systems, production machinery, computers and servers, elevators, refrigeration units, and commercial kitchen equipment. Standard property policies typically exclude these types of mechanical failures.

Beyond repair or replacement costs, equipment breakdown coverage also pays for spoiled inventory (such as refrigerated goods), expedited shipping costs for replacement parts, and business interruption while repairs are made. We help you identify which equipment in your operation poses the greatest financial risk if it were to fail unexpectedly.

Inland Marine

Inland marine insurance covers property that is mobile or located away from your primary business premises. This includes tools and equipment transported to job sites, contractor equipment, goods in transit to customers, property held by bailees for storage or repair, and valuable papers and records stored off-site. Despite the name, inland marine is essential for any business whose property moves or is used at multiple locations.

Contractors, tradespeople, and service businesses commonly need inland marine coverage. We offer both scheduled policies (each item listed with a specific value) and blanket policies (a single limit applies across all property) to match how you operate.

Frequently Asked Questions