Commercial Property Insurance That Protects the Heart of Your Business
Coverage for the Places, Tools & Inventory That Keep You Operating
Your building, inventory, tools & equipment are essential to your business-and commercial property insurance helps protect them from unexpected losses. Whether you own your space or lease it, we'll help you find flexible property coverage that fits your location, industry, and risk tolerance. We work with businesses across Illinois, Michigan, Wisconsin & Minnesota to keep operations protected.
What’s Typically Covered
Commercial property insurance covers much more than just the building itself. Here's what a typical policy includes:
Building Coverage
Covers physical damage to your owned building or office space caused by fire, storms, vandalism, or other covered events. This also includes permanent fixtures like plumbing and electrical systems.
Business Personal Property
Protects what's inside your building, like inventory, office furniture, computers, tools, and machinery. Whether you're storing stock or using high-value equipment, this coverage keeps your essentials insured.
Improvements & Betterments
Covers upgrades or renovations made to a rented space-like custom lighting, new flooring, or a buildout-so you're not stuck footing the bill after a covered event.
Loss of Income / Business Interruption
If you're forced to temporarily close due to a covered claim, this helps cover lost income, payroll, rent & ongoing expenses. It helps keep the lights on while you rebuild.
Equipment Breakdown
Covers essential systems like HVAC, boilers, refrigeration, or POS systems if they fail due to a mechanical issue-not just external damage.
Add-Ons That Matter
Every business is different. These add-ons help tailor your policy to your actual risks:
Utility Services / Spoilage Coverage
Covers damage or lost income caused by utility outages (like electricity or water) and can include spoilage for businesses that rely on refrigeration or storage.
Outdoor Signage Protection
Protects signage, fencing, landscaping, and other property outside of your main building-often excluded from base property policies.
Debris Removal & Cleanup
Helps cover the cost of cleanup after a covered event, especially important after fire, flood, or storm claims where restoring the building isn't just about repairs.
Tenant Improvements Endorsement
Ensures leased commercial tenants can replace upgrades made to a space-important if you've spent time or money personalizing your unit.
Flood Coverage
Standard commercial property insurance typically excludes natural disasters like floods. We'll help you evaluate if you need additional protection based on your location.
Three ways we help
We explain what's actually covered. Property insurance policies can be confusing. We make it clear what's included-and what's not.
We know local business risks. From manufacturing gear to retail fixtures, we tailor policies to fit your industry.
We work fast when things go wrong. In the event of a claim, we're easy to reach and ready to advocate for your recovery.
Frequently Asked Questions
Do I need property insurance if I rent my business space?
Yes. While your landlord may cover the building itself, you're responsible for your own equipment, inventory, and upgrades. Property insurance protects everything inside your business space.
Does commercial property insurance cover weather-related damages?
Most policies cover common weather events like wind, hail, and fire, but damage from floods or earthquakes usually requires separate coverage. We'll help you review what's included and fill in the gaps.
Can I combine property insurance with liability coverage?
Yes. Many businesses choose to bundle property and liability coverage through a Business Owners Policy (BOP), which we can help arrange for added savings and simplicity.
How are premiums for property insurance calculated?
Rates are based on your building's size, construction type, location, business operations, and the value of your insured property. We'll compare multiple quotes to find the best fit for your budget and needs.
What if I need coverage for tools or equipment offsite?
Inland marine coverage can protect tools, machinery, or inventory that's stored offsite or transported regularly. We'll help you add the right protection if your business requires it.
Let's Protect the Foundation of Your Business
Whether you own your building or lease your space, your business depends on its physical assets. We'll help you build a commercial property insurance plan that makes sense for your operations-without overpaying or overcomplicating your coverage.