Commercial insurance
Commercial property insurance
Protect your business building, inventory and equipment against fire, wind, theft and other damage. We also quote apartment buildings and rental properties.
- Storefronts, offices, warehouses and apartment buildings
- Lost income if you have to close after covered damage
- Older buildings reviewed case by case
What does it cover?
| Coverage | What it pays for |
|---|---|
| Building | Repairs or rebuilds the building after covered damage. |
| Contents and inventory | Merchandise, furniture, computers and business equipment. |
| Business income | Income and rent you lose while repairs are made. |
| Equipment breakdown | Boilers, air conditioning and mechanical or electrical equipment. |
| Ordinance or law | Extra costs to rebuild to current code, where offered. |
These are the most common coverages. Exact options, limits and deductibles depend on the carrier and your state.
Who is it for?
- Owners of commercial buildings
- Apartment buildings with 6 or more units
- Restaurants, stores, shops and warehouses
Have this ready
- Property address
- Year built, construction type and square footage
- Rent roll (if it is a rental)
- 5-year claims history
Missing something? Start anyway. We'll ask for the rest later.
How it works
- 1
Fill out the form
About 2 minutes, from your phone.
- 2
We compare options
A licensed agent checks several carriers for your case.
- 3
You choose and you're covered
We explain everything in plain language and start your policy.
Frequently asked questions
Does it cover floods or earthquakes?
Usually not. They are quoted separately.
Do you insure apartment buildings?
Yes. Buildings with 6 or more units, including properties owned by an LLC.
I rent my space. Do I need it?
If you rent, you usually insure your contents, your improvements and your liability. The owner insures the building.
Other coverage
Insurance guides
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Insurance Options for Used Car Dealerships
Dealer liability, open lot coverage, garagekeepers and property — what each one does for an independent dealer and the gaps to watch for.
-
Garagekeepers vs. Garage Liability Insurance
Two coverages with nearly the same name protect completely different things. Here is how to tell them apart — with examples from real shop situations.
-
How to Request Insurance for a 24-Unit Apartment Building
The documents and details that get a 24-unit building quoted quickly — and the questions that slow it down.
A licensed agent reviews every request. Coverage, eligibility and price depend on the carrier and underwriting. The information on this page is general and does not replace the policy terms.