Commercial Property

Protect buildings, equipment, inventory, and business personal property from fire, theft, water damage, and other covered perils.

Why Commercial Property matters

A property loss can halt operations for weeks. Commercial Property covers repair or replacement of your business property and can include Business Interruption to replace lost income during downtime.

What can be insured

Buildings and tenant improvements
Equipment, machinery, computers
Inventory and goods (including in transit with endorsement)
Furniture, fixtures, business personal property

Covered perils (examples)

Fire, smoke, explosion
Theft, vandalism, water damage
Windstorm, hail (policy and state dependent)
Equipment breakdown (with specific endorsement)

Key considerations

Replacement Cost vs. Actual Cash Value (depreciation)
Deductibles and coinsurance clauses
Location‑based and category‑based limits
Flood/Earthquake often excluded (separate policies)

Cost factors

Location (CAT exposure, crime)
Construction type and protections (sprinklers, alarms)
Insured values and loss history
Prevention measures and maintenance

Good to know

Business Interruption typically triggers after a covered physical loss. Check waiting periods and sublimits.

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Frequently Asked Questions

Common questions about our service and process. Don't see your question? Contact us directly.

Still have questions? Contact us at hello@insurial.info