What does commercial property insurance cover?

Commercial property insurance typically covers damages resulting from: Fire Windstorm or hail Sprinkler leakage Vandalism Building collapse Damages not typically covered: Theft of losses occurring off the business premises Damage to vehicles Loss relating to employee dishonesty Cyber fraud Damage resulting from earthquake or flood

Commercial Property Insurance

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Karen Guglielmo

What is Commercial Property Insurance?

As part of a business owner’s policy (BOP), commercial property insurance offers financial protection for damage (caused from fire or certain types of weather occurrences) to your business’s physical location, assets, and inventory. This coverage can be especially valuable for those who own or rent their place of business.

In addition to commercial property insurance, the complete BOP insurance package includes:

General Liability

This cornerstone coverage protects you financially in the event of third-party injuries and damages, as well as personal and advertising injury. General liability is suitable for most small businesses.

Business interruption insurance

This coverage provides financial protection in the event your business needs to cease operations following a fire or eligible natural disaster. It can cover payroll, lost income, operational expenses, and more.

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Hi there, we’re Simply Business, and small business insurance is what we do. We work with top insurers who specialize in small business coverage—no one-size-fits-all solutions here. We’ve worked with thousands of business owners like you, so we have a good idea of what different businesses need. We get it: you do one web search, and the results can be overwhelming, and not in a good way. We can save you from that. We’re ready when you are. It takes just a few minutes online—enter some information about your business, and some pretty cool technology shops for great coverage at competitive prices in just seconds. You choose and purchase the coverage that works for you. Not to worry, we’ve got licensed insurance pros to help you over the phone. Then we zip your Certificate of Insurance and other policy documents straight to your inbox. That’s how easy it is to insure your business with Simply Business.

Answers to More Commercial Property and Business Owner’s Policy Insurance Questions

At Simply Business, we offer commercial property coverage as part of the BOP insurance package as opposed to a stand-alone policy, and the cost depends on a variety of factors. These include your location, the value of the property, and the type of work you do.

Start a BOP insurance quote today to see how much a policy might cost you.

Carrying a business owner’s policy with commercial property coverage is typically not a requirement. It is, however, a convenient way to protect your business in three ways — all with just one bundled policy. We recommend this insurance package for restaurants and food service businesses, retail stores, wholesalers, and more.

Commercial property insurance typically covers damages resulting from:

Fire
Windstorm or hail
Sprinkler leakage
Vandalism
Building collapse

Damages not typically covered:

Theft of losses occurring off the business premises
Damage to vehicles
Loss relating to employee dishonesty
Cyber fraud
Damage resulting from earthquake or flood

We provide customized coverage options and quotes from top-rated small business insurers — all in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high customer ratings and reviews.

Why Small Businesses Choose Simply Business

Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.

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Written by

Karen Guglielmo

Karen Guglielmo is the Senior Manager of Content at Simply Business, where she leads a team of experienced writers dedicated to crafting authoritative educational content for small businesses. With deep expertise in content strategy and marketing, Karen ensures that all material meets the specific needs and challenges of small business owners.

Karen’s career spans successful content leadership roles at major brands including Iron Mountain, TechTarget, and Alludo. She leverages her extensive background to deliver relevant advice and industry insights on topics like small business insurance, risk mitigation, and business growth that help entrepreneurs confidently support and expand their ventures.

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