Commercial Insurance
Protect the building your business runs on.
Commercial property coverage for Florida business owners and building owners, placed with trusted admitted carriers.
- Offices, retail and warehouses
- Owners and tenants
- Hablamos español
Get a quick quote
Two minutes. A licensed advisor follows up the same business day.
What commercial property covers
We build each policy around your building, your business and your lease.
Building coverage
The structure you own, including permanent fixtures and installed equipment.
- Fire, windstorm and other covered perils
- Permanent fixtures and installed equipment
- Replacement cost options
Business personal property
Furniture, equipment, inventory and supplies, whether you own the building or lease your space.
- Inventory and supplies
- Furniture and equipment
- Improvements to a leased space
Business income
Helps replace lost income and pay continuing expenses while you can't operate after a covered loss.
- Lost income or rents
- Continuing expenses
- Extra expense to keep operating
Good to know
Know your wind deductible
Florida commercial policies often have a separate windstorm or hurricane deductible, usually a percentage of the building limit.
Flood is separate
Commercial property policies usually leave out flood. Ask us about commercial flood coverage.
Ask about liability
If you also need general liability or a business owners policy, tell us about your business and we'll review your options.
Frequently Asked Questions
I lease my space. Do I need commercial property insurance?
Usually your landlord insures the building, but your lease may require you to insure your contents, your improvements and your liability. Send us your lease and we'll check what it asks for.
What should I have ready for a quote?
The building address, year built, construction type, square footage, roof year and what your business does. For contents, an estimate of what your equipment and inventory are worth.
Does my lender require coverage?
Most commercial mortgage lenders require property coverage and may set minimum limits or deductibles. We can match your policy to your lender's requirements.
Other coverage we offer
Ready when you are.
Get a quick quote online, or call and speak to a representative.