Commercial Property for Your Building and Gear
Protect your commercial property and assets
Whether you own a warehouse, a storefront, or a leased office, commercial property insurance helps repair or replace business assets after covered fire, theft, wind, or vandalism. Tate Insurance Group matches limits to real replacement costs and reviews deductibles that fit your cash flow.
What commercial property insurance covers
Cover the building you own, plus contents like computers, tools, inventory, and furniture. Tenants can include improvements and betterments they installed. Business income coverage can help replace lost revenue while repairs are made after a covered loss. Flood is excluded, so consider separate flood insurance if your location sits near a river or creeks.
Tailored to your business assets
Choose replacement cost or actual cash value, schedule high-value equipment, and add inland marine if gear moves between job sites. Many small firms package property with general liability in a BOP to simplify billing and often save on premiums. For broader planning, review your full program under business insurance so limits and deductibles work together.
Coverage That Keeps You Running
Common Questions About Commercial Property
If I rent my office, do I still need property insurance?
Yes. Your landlord insures the structure. You insure contents and any build-out you paid for.
Does property insurance cover storm damage?
Wind and hail are typically included. Rising water requires separate flood insurance.
How do I pick the right amount of coverage?
We estimate current replacement costs for buildings and contents, then review values each renewal.
Can I bundle property and liability?
Yes. A BOP combines property with general liability and often business income.
Can I insure mobile equipment that travels between sites?
Yes. Inland marine or equipment coverage follows tools and devices in transit or on location.
