Commercial Property Insurance.

Building Coverage

• Covers damage to your building or structure if you own it.
• Includes permanently attached fixtures, such as plumbing, electrical wiring, lighting, flooring, and built-in equipment.
• Applies whether the building is occupied by you or leased to others.

Business Personal Property (Contents)

• Office furniture, equipment, computers
• Tools and machinery
• Inventory and stock
• Signs (if not attached to the building)
• Can also cover property in the open (within 100 feet of the building, typically).

Business Income (Loss of Income) Coverage

• Also called Business Interruption Insurance.
• Helps replace lost income and pay ongoing expenses (like rent, payroll, and utilities) if your business must temporarily close due to a covered loss (e.g., fire, smoke damage, vandalism).
• Coverage usually continues until you can resume normal operations or rebuild.

Extra Expense Coverage

• Pays for additional costs needed to keep your business running after a loss — such as renting temporary workspace, leasing replacement equipment, or expediting repairs.
  

Equipment Breakdown Coverage

• Covers sudden, accidental mechanical or electrical breakdowns of machinery or systems (boilers, HVAC, computers, refrigeration, etc.) not caused by external damage.

Outdoor Property & Signage

• Limited coverage for items such as landscaping, fencing, or outdoor signs.
• Higher-value signage can be covered by endorsement if it’s important to your operations.

Employee Dishonesty or Theft

• Protects against loss caused by theft, fraud, or dishonesty by employees.
• Typically added through a crime or fidelity endorsement.