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Commercial Property Insurance Quote

Don't let the future of your Commercial Real Estate business be devastated by financial consequences from unforeseen events like fire, hail or other hazards. Business Property Insurance offers an excellent defense against unexpected occurrences.

Commercial Property Insurance Explained

Commercial Property Insurance benefits can be used to repair or replace business assets that are stolen, damaged, or lost. A basic commercial policy helps protect your investments in business assets, including?
  • Office space owned by your business.
  • Fixtures
  • Furnishings
  • Inventory
  • Supplies
  • Equipment

About Your Property Insurance

Our Property Insurance is designed to help startups and small businesses quickly replace lost or unusable business assets. Here are a few things to consider when purchasing this type of coverage.

Replacement Value
You can choose to insure your assets for their full replacement value or their actual cash value. The replacement-cost option comes with higher premiums, but will pay the full amount required to replace items at current market cost. An actual cash value policy costs less, but pays only the amount of your property's depreciated value.

Renting Vs. Owning Your Office Space
If you own your office space, you can elect a policy that insures the building or space that houses your business. If you're renting, you may be able to purchase a basic policy that covers only the contents of your business space.

Understanding What Commercial Property Insurance Doesn't Cover
These policies typically cover business property for common loss scenarios, such as fire, theft, tornadoes or wind damage. Certain causes of loss, however, such as water damage or earthquakes, may not be covered.

Optional Additional protection

Available is a range of business property insurance options to give you the flexibility to cover just what you need to protect your business.

These coverages include:
  • Builders risk
  • Building ordinance and law
  • Business income
  • Equipment breakdown
  • Flood insurance
  • Utility services interruption coverage

Typically, Commercial Property Insurance covers

  • Buildings you own or lease (including permanent fixtures, permanent machinery, and permanent equipment).
  • Business property on premises (non-permanent fixtures, machinery, equipment, computers, and inventory). Personal property of others (in your business' custody or care).

Who Needs Commercial Property Insurance?

All commercial property owners, including those doing business on their own property and those leasing space to other parties, need some form Commercial Property Insurance.

Commercial Property and Commercial General Liability are the two most basic types of insurance recommended to all business start-ups.

Commercial Property Insurance is often bundled together with other types of commercial insurance into a Business Owners Policy or a Commercial Package Policy at a lower rate for each individual component.

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Liability Insurance for Business
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Free Insurance Agent Quotes: 855-244-0636
Office: 855-244-0636
Fax: 619-336-3818
Visit us in our San Diego insurance office Monday through Saturday
Map to San Diego Contractor Insurance Agency Business World Insurance Agency
Commercial Business World
7800 University Blvd
La Mesa, CA 91942

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