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Illustrated business park with a brick office building on one side and a warehouse loading door with a purple fire extinguisher on the other, open paved yard between them

Commercial property insurance

a bad day won’t sink the business.

Fire, burst pipes and break-ins happen. Your building, equipment and stock get repaired or replaced. We shop the market and stay with you through the claim.

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MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

the building and everything in it.

Fires, leaks, break-ins and ruined stock. Tap around the shop to see what’s covered, and what isn’t.

Illustrated back room with a cracked glass door, stocked shelves, an electrical panel, a purple fire extinguisher, a leaking pipe over a bucket, a desk and a walk-in cooler

covered

An electrical fire

Repairs to the building and everything in it.

covered

A pipe bursts overnight

Sudden water damage to walls, floors and stock.

covered

Someone breaks in

The broken door and what they took.

covered

Your inventory is ruined

Repaired or replaced, up to your limit.

covered

An electrical fire

Repairs to the building and everything in it.

Examples. Your policy sets the details.

something broke? make one call.

We document the damage, file the claim and follow up until you’re rebuilt.

  1. 1. Call us

    Send photos of the damage. We’ll tell you what to do first.

  2. 2. We file it

    Photos, receipts and the policy go to the carrier and the adjuster.

  3. 3. You rebuild

    We follow up on every payment until the work is done.

the best price, without the shopping.

Tell us about your business once. We compare the market and bring back your options, side by side.

Harbor Supply Co.

your options

$6,800a year, building and contents

3 options, same coverage

Option A$6,800

Option B$7,450

Option C$8,300

WarehouseNewark, NJ$1.5M buildingSprinklered
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

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Put them on one program and we shop them together at every renewal.

good to know.

Straight answers about commercial property.

What does commercial property insurance cover?
Commercial property covers the building you own, plus your equipment, furniture, inventory and improvements against events like fire, theft, burst pipes, wind and vandalism. It usually pays to repair or replace what was damaged. Flood, earthquake and equipment breakdown are often excluded and added separately.
Do I need property insurance if I lease my space?
Usually, yes. Your landlord’s policy typically covers the building, not your equipment, inventory or the improvements you paid for. Most leases also require tenants to carry their own property coverage. Check your lease for what you’re responsible for.
Does commercial property insurance cover floods?
Usually not. Standard commercial property policies typically exclude flood from rising water. Coverage is available through the National Flood Insurance Program or private flood insurers. Water from a burst pipe inside the building is generally covered, which is a common point of confusion.
What’s the difference between replacement cost and actual cash value?
Replacement cost pays to replace damaged property with new property of similar kind and quality. Actual cash value pays replacement cost minus depreciation, so older items pay out less. Replacement cost usually costs more, but it’s typically the better fit for businesses that need to reopen quickly after a loss.
Is equipment breakdown covered by commercial property insurance?
Usually not. Standard property policies typically exclude mechanical or electrical breakdown, like a failed compressor, boiler or server. Equipment breakdown coverage is usually added as an endorsement for a modest cost. It can also cover spoiled inventory and lost income tied to the breakdown.

Insurance words, in plain English: business income and extra expense · coinsurance · replacement cost vs actual cash value

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA