Commercial Property Insurance in Florida
Protect Your Business Property From Covered Losses
Commercial property insurance can help protect eligible businesses against certain covered losses involving buildings, business personal property, equipment, inventory, furniture, and other property used in business operations.
For Florida businesses that own or lease commercial space, property insurance can be an important part of a broader business insurance program.
What Does Commercial Property Insurance Cover?
Commercial property insurance may help cover certain losses involving property used in your business, including:
Buildings
Coverage may be available for eligible commercial buildings and permanently installed fixtures owned by your business, subject to the policy terms and limits.
Business Personal Property
Coverage may help protect eligible business property such as furniture, office equipment, computers, tools, and other items used in your operations.
Inventory & Stock
Coverage may be available for eligible inventory, merchandise, supplies, and other business property stored at your insured location.
Equipment
Coverage may help protect eligible equipment and machinery used in your business against certain covered causes of loss.
Improvements & Betterments
Coverage may be available for certain improvements, alterations, or additions made to a leased commercial space.
Loss of Business Income
Depending on the policy, coverage may be available for certain loss of business income and extra expenses following a covered property loss.
Additional Coverage Options
Depending on your business, property, operations, location, and eligibility, your commercial property policy may offer additional coverage options.
These may include:
- Business Income
- Equipment Breakdown
- Inland Marine
- Ordinance or Law
- Replacement Cost Options
- Other applicable coverage enhancements
Coverage availability, limits, deductibles, valuation methods, and eligibility vary by business and policy.
Who Needs Commercial Property Insurance?
Commercial property insurance can be relevant to a wide range of Florida businesses, including:
- Retail businesses
- Restaurants and food businesses
- Professional offices
- Fitness and wellness businesses
- Martial arts schools
- Contractors
- Warehouses and storage businesses
- Businesses that own commercial buildings
- Other eligible businesses with covered business property
Businesses that lease their space may also have property insurance needs for business personal property, equipment, inventory, and improvements made to the premises.
The coverage available to your business depends on the property, location, operations, and eligibility.
Get Your Commercial Property Quote
Ready to explore your options?
Start your business insurance quote online and see the coverage options available for your business.