Commercial Property Insurance

Independent broker. Buildings, contents, and income—dialed to real values, not guesses.

🏬Building & BPP 💸Business income 🧩Key endorsements
📘 Core coverages
  • Building — structure, roof, and permanently installed fixtures.
  • Business Personal Property (BPP) — furniture, fixtures, inventory, equipment.
  • Tenant Improvements & Betterments — upgrades in leased spaces.
  • Business Income & Extra Expense — helps replace income and pay to keep running after a covered loss.
🧩 Useful endorsements
  • Equipment breakdown (electrical/mechanical failure).
  • Ordinance or Law (A/B/C) for code upgrades after a loss.
  • Outdoor property/signs and fences.
  • Property off-premises / in transit (use inland marine for tools & mobile gear).
  • Spoilage & utility services (food, pharma, temperature-sensitive ops).
  • Computer equipment & media; valuable papers.
  • Flood/Earthquake typically excluded—quote separately where needed.
📏 Right-sizing values & deductibles

We’ll help set replacement cost vs. ACV, confirm coinsurance clauses, and size business income (ALS vs. 12/18/24 months) so you’re not underinsured—or overpaying.

🏗️ Replacement cost vs. ACV?

Replacement cost pays today’s cost to rebuild/replace; ACV subtracts depreciation. We’ll show pricing for both so you can decide.

🔢 What is coinsurance?

A requirement to insure to a percentage of value (e.g., 80%/90%). Underinsure and you may share in losses—our quotes make this clear.

⏳ Business income for how long?

Choose actual loss sustained or a time limit (12/18/24 months). We map realistic recovery timelines to your operations.

Ready to quote commercial property?

Send addresses, square footage, construction details, and an equipment/inventory ballpark. We’ll compare multiple carriers for you.

Discuss property coverage