Protect your business's physical assets from unexpected events. Comprehensive coverage for buildings, equipment, inventory, and more in California.
Commercial property insurance is vital for any business that owns or leases physical property. It protects your buildings, equipment, inventory, and other assets from damage or loss due to a wide range of perils, ensuring your business can recover quickly from unexpected events.
In California, businesses face various risks, including natural disasters like earthquakes and wildfires, as well as common perils like fire, theft, and vandalism. Without adequate commercial property insurance, a single incident could lead to significant financial losses, business interruption, and even permanent closure.
Our commercial property insurance policies are tailored to the specific needs of California businesses, from small retail shops to large manufacturing facilities. We help you assess your property risks, determine the appropriate coverage limits, and select additional endorsements to ensure comprehensive protection for your valuable assets.
Your business property is the foundation of your operations. Damage to your building, loss of inventory, or destruction of critical equipment can halt your business, leading to lost revenue and increased expenses. Commercial property insurance provides the financial resources to repair or replace damaged assets and get your business back on track.
Comprehensive protection for your business's physical assets
Protects the physical structure of your business building, including walls, roof, floors, and permanent fixtures, from covered perils.
Covers your business's contents, including inventory, equipment, furniture, and supplies, whether owned or leased.
Protects against common perils such as fire, lightning, windstorm, hail, explosion, smoke, vandalism, and civil commotion.
Replaces lost income and covers ongoing expenses if your business is forced to close temporarily due to a covered property loss.
Covers repair or replacement costs for essential equipment that breaks down due to mechanical or electrical failure, not just external perils.
Protects property that is in transit, off-premises, or highly mobile, such as tools, equipment, and goods being transported.
Enhance your commercial property protection
Essential for California businesses, providing protection against damage from earthquakes and floods, which are typically excluded from standard policies
Specific coverage for damage caused by high winds and hail, particularly important in coastal or storm-prone areas
Protects perishable goods from spoilage due to power outages, equipment breakdown, or other covered perils
Protects against loss of money and securities due to theft, disappearance, or destruction, both on and off premises
Covers improvements you make to a leased property that you cannot remove, such as built-in shelving or specialized flooring
Covers the increased cost of repair or reconstruction due to updated building codes or ordinances after a covered loss
Understanding what influences the cost of your commercial property insurance
Proximity to fire hydrants, fire stations, and exposure to natural disaster risks (earthquakes, floods, wildfires)
Materials used in construction (e.g., frame, masonry, fire-resistive) and age of the building
Presence of sprinkler systems, fire alarms, security systems, and other protective measures
The nature of your business operations and the risks associated with your industry
Higher coverage limits and lower deductibles generally result in higher premiums
Your business's past claims history can influence your future insurance rates
Don't leave your valuable assets exposed to risk. Get a free commercial property insurance quote today.