Commercial property
Coverage for the building you own or lease, the equipment and inventory inside, and the income you would lose while rebuilding after a covered loss.
What it covers
- Building and tenant improvements
- Business personal property: equipment, furniture and inventory
- Business income and extra expense
- Equipment breakdown
- Signs, glass and outdoor property
Common add-ons
- Spoilage for restaurants and grocers
- Ordinance or law coverage
- Flood and earthquake where needed
- Inland marine for tools and equipment off premises
Who it's for
Owners and tenants of shops, restaurants, offices, warehouses and mixed-use buildings.
Common questions
What is business income coverage?
If a fire closes your shop for four months, business income replaces the profit and pays continuing expenses like rent and payroll while you rebuild. It is the coverage most small businesses under-buy.
Does my landlord's policy cover my build-out?
Usually not. Tenant improvements and everything you brought into the space are yours to insure.
Related coverage
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