Protect your buildings, equipment, and inventory

Commercial Property Insurance

Commercial Property insurance covers damage to or loss of your business's physical assets — the building you own or lease, equipment, inventory, and more. Whether it's a fire, theft, or vandalism, property coverage ensures a single event doesn't wipe out years of investment.

Get a quoteCall (623) 873-1234

At a glance

Commercial Property

Reviewed by a
licensed agent
Valuation
Replacement cost or actual cash value (ACV)
Coverage Form
Special Form (all-risk) is the broadest
Key Add-on
Business Interruption / Extra Expense
Often Bundled In
Businessowners Policy (BOP)

Watch for: Business income: the rent and payroll don't stop when the doors do.

The policy

What it covers, and who it's for.

The short version. What a policy actually covers is in its forms and endorsements, and we read those with you before you buy.

What it covers06

  • Building and structural improvements (if you own the building)
  • Business personal property — equipment, furniture, and inventory
  • Tenant improvements and betterments (if you lease your space)
  • Business interruption — lost income while you rebuild after a covered loss
  • Extra expense — costs to operate out of a temporary location
  • Signs, outdoor property, and equipment in transit

Who needs it05

  • Business owners who own their building
  • Tenants with significant equipment or inventory
  • Retail stores and restaurants
  • Manufacturers, warehouses, and distribution centers
  • Any business that couldn't absorb a major equipment or inventory loss out-of-pocket

Questions

About commercial property, answered plainly.

Don't see yours? Call (623) 873-1234 or write to service@commercialy.com.

Often paired with

What usually goes alongside it.

  1. 01

    General Liability

    Core protection every business needs
  2. 02

    Umbrella / Excess

    An extra layer of protection above your primary policies
  3. 03

    Specialty Lines

    Cyber, E&O, EPLI, D&O, and more for modern businesses

Talk to a licensed agent, not a phone tree.

Tell us what you're insuring and we'll come back with commercial property options from more than one carrier, explained in plain English.

Call the office Se habla español

(623) 873-1234
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