Your building, equipment, inventory, and furniture represent years of investment. Commercial property insurance protects all of it — and we make sure you're not overpaying.
Commercial property insurance protects the physical assets your business owns or leases. If it can be damaged, stolen, or destroyed — it should be covered.
Covers your owned or leased building against fire, storms, vandalism, and other covered perils.
Protects equipment, furniture, computers, inventory, and supplies inside your building.
Replaces lost income if a covered event forces you to close temporarily.
Covers mechanical and electrical breakdown of HVAC, refrigeration, and other critical equipment.
Protects renovations and improvements you've made to a leased space.
Covers your business signage and outdoor property against damage.
If your business owns or leases a physical space, or has equipment and inventory worth protecting, you need commercial property coverage.
Costs vary widely based on building value, construction type, location, and coverage limits. Small offices may pay $500–$1,500/year, while retail and restaurant spaces often run $2,000–$8,000+.
Replacement cost pays to replace damaged property with new items. Actual cash value deducts depreciation. We almost always recommend replacement cost coverage.
Standard policies cover fire, wind, hail, and vandalism. Flood and earthquake require separate policies — both worth considering in Utah.
Yes, if you have business income coverage (also called business interruption). This replaces your lost revenue while you rebuild. We include this in almost every commercial property policy.
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