Your building, equipment, and inventory carry your operation. Commercial property coverage protects them against fire, theft, vandalism, windstorm, and more — with options to keep revenue flowing while you rebuild.
Coverage terms, limits, and exclusions vary by carrier and policy form. We walk you through exactly what is and isn’t covered before you bind — no fine-print surprises.
Wind damage is typically covered, though Florida policies carry a separate hurricane deductible calculated as a percentage of your building value rather than a flat dollar amount. Flood is excluded and needs its own policy.
Replacement cost pays to rebuild at today’s prices; actual cash value deducts depreciation. Replacement cost costs more up front and is almost always the right call for a building you intend to keep.
It replaces the income you lose while your property is unusable after a covered loss, and covers extra expenses like temporary space. It is what keeps payroll running while you rebuild.
Yes. Your landlord insures the building shell — your equipment, inventory, fixtures, and improvements are yours to insure.
Tell us a little about what you’re protecting. We’ll come back with options and real pricing — no obligation.