Commercial Property Insurance

If a fire, storm or break-in damaged your building or equipment tomorrow, could your business keep going? Commercial property insurance pays to repair or replace what you own, and can replace income you lose while you rebuild. Do Right Insurance compares 15+ carriers to find coverage that fits your business.

What commercial property covers

• Your building, if you own it
• Contents: equipment, inventory, furniture and supplies
• Business interruption: lost income and ongoing expenses while you can’t operate after a covered loss
• Covered causes of loss such as fire, theft, vandalism and wind or hail damage

Coverage that is usually separate

Standard commercial property policies typically don’t cover flood or earthquake. We can quote those separately, along with inland marine coverage for equipment that travels to job sites, and boiler and equipment breakdown coverage.

Property and liability together

Many small businesses combine property and liability coverage in a business owner’s policy, which can be simpler to manage. Ask us whether it fits your business.

Do I need it if I rent?

Yes, in most cases. If you rent your space, your landlord insures the building, but your equipment, inventory and improvements are yours to protect.

What we need for a quote

• Your business address and what you do there
• The building’s age, construction and size, if you own it
• The value of your equipment and inventory
• Your current coverage and recent claims history

Common questions

What is replacement cost?

It pays to replace damaged property with new, without subtracting for age. The alternative, actual cash value, subtracts depreciation. The difference can be large, so we’ll walk you through both.

Does it cover equipment I take to job sites?

Often that falls under inland marine coverage. Ask us.

Does it cover my lost income?

Business interruption coverage does, if it is part of your policy and the cause of loss is covered.

Get a commercial property quote

Call 801-352-7100 or request a quote online.