Commercial Property

Commercial property insurance protects your company's physical assets from damage, theft or loss.

What is Commercial Property Insurance good for?

You can insure a broad variety of business property, including:

  • Equipment
  • Inventory and supplies
  • Office furniture and fixtures
  • Computers and electronics
  • The personal property of employees while on-site
  • Customer property at your business site
  • Lighting systems
  • Windows
  • Outdoor signs
  • Fencing and landscaping
  • Tools and equipment in transit or used off-site for business purposes

Who is Commercial Property Insurance for?

Commercial property insurance covers the repair and replacement of certain business assets should a covered incident like fire, theft or vandalism occur. It's an especially important coverage since many small businesses and startups lack the cash to replace what's needed to keep a business running.

Why would I need Commercial Property Insurance?

There are a lot of different businesses which require commercial property insurance. Anyone with a building premises or tools products or items relating to their work. Here are a few examples:

Small businesses

This includes clothing pet book and furniture stores restaurants florists bakeries and more that fall under small businesses.


Welders painters home builders construction companies and electricians all need commercial property insurance.

Professional services

Professional service providers need commercial property insurance too. This includes but isn’t limited to copywriters photographers marketing consultants graphic designers and dietitians.

Essentially if your business operates in any property – whether that your home a place you’ve leased or rented or a building that you own – it can be protected by commercial property insurance.

What does Commercial Property Insurance cover?

You can do all the preparation in the world to help safeguard your business from threats it could face but in the end it isn’t up to us. When natural disasters happen they can wreak serious havoc on your place of work and rack up some serious costs. Fires extreme winter storms and cold snaps theft and vandalism flooding and hail are all examples of potentially insured perils which could affect your commercial property. Luckily commercial property insurance is here to help. Remember to check in with your InsureCert broker to see just what your commercial property insurance policy will cover.

What’s covered by a commercial property insurance policy will vary depending on your business and your insurance company. However all will offer a certain amount of coverage for your business property including:

  • Your premise structure
  • Furniture
  • Equipment
  • Computers and electronics
  • Fixtures and lighting
  • Signage
  • Landscaping
  • Inventory
  • Tools
  • Office supplies

Insured perils often include:

  • Fire
  • Theft
  • Vandalism
  • Storms including damage done by wind and hail
  • Water damage from burst pipes
  • Earthquakes **
  • Sewer back up **
  • Overland water (flood insurance) **

** These require endorsements (add-on coverage) and may not be available for all businesses.

What does Commercial Property Insurance not cover?

Not every scenario will be covered or may need a special add-on or separate policy. Commonly excluded perils include:

  • War or terrorism
  • Government seizure or destruction
  • Seepage
  • Wear and tear
  • Rust corrosion fungus decay deterioration settling and other time- or maintenance-related causes of damage
  • Damage caused by rodents insects or animals
  • Pollution

What does Commercial Property cost?

Typically, insurance premiums for commercial properties are set by multiplying the value of the building and its contents by a value that correlates to level of risk. Most of the time, properties with high risk have higher property insurance rates, while lower risk properties cost less to insure.

Why buy your Commercial Property insurance from InsureCert?


We’ve made it easier than ever before to complete the purchase and get coverage. How easy? We don’t even need to see equity ownership or financial statements from you.

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As a digital company, InsureCert passes the savings for unnecessary administration on to you—for the most competitive price you’ll find anywhere.

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Protect your startup with the broadest coverage in the industry. You can tailor policies to your needs by choosing your own limit and deductible.

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We provide you with expert answers no matter your question: Reach us 24/7 via phone, email or live chat. You even get a personal account manager to look after you and your insurance needs.

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Still wondering about Commercial Property Insurance?

Here are some real world examples of claims:

If you have any questions regarding commercial property insurance be sure to Book an Appointment Our expert advisors will be able to help answer your queries and provide you helpful advice for your insurance needs.

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