Commercial property insurance protects your business's physical assets — buildings, equipment, inventory, furniture, and signage — against fire, theft, vandalism, storms, and other covered perils. In Florida, where hurricanes and severe weather are real risks, property coverage is essential.
Coverages we place
Building coverage (owned or leased structures, including improvements)
Business personal property (equipment, furniture, inventory, supplies)
Loss of income / business interruption (lost revenue during repair)
Extra expense coverage (costs to keep operating during restoration)
Outdoor signage, fencing, and landscaping coverage
Who needs this coverage
Any business that owns or leases a physical space needs commercial property insurance. Landlords typically require tenants to carry property coverage, and lenders require it for financed buildings or equipment.
What drives your premium
Building value, construction type, and age
Location (Florida coastal zones have higher wind/flood risk)
Type of business and inventory value
Security systems, fire suppression, and building condition
Deductible selection (especially hurricane/wind deductibles in FL)
Common exclusions
Flood damage (requires separate flood insurance — critical in Florida)
Earthquake damage
Normal wear and tear, gradual deterioration
Government action (condemnation, seizure)
War, nuclear hazard
Frequently asked questions
Does commercial property insurance cover hurricane damage ?
Yes, but with a separate wind/hurricane deductible (typically 2–5% of building value). Flood damage is excluded and requires a separate flood policy. We help you structure the right combination of property, wind, and flood coverage.
What's the difference between replacement cost and actual cash value?
Replacement cost pays to replace damaged property with new items of similar quality. Actual cash value deducts depreciation. We strongly recommend replacement cost coverage for most businesses.
Is business interruption coverage included?
Most commercial property policies include business interruption (loss of income) coverage, but limits and waiting periods vary. We'll make sure your policy covers enough revenue loss to keep your business viable during repairs.