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Commercial Property Insurance

Commercial Property Insurance Secure Your Space, Equipment & Inventory

From fires and floods to theft and vandalism, protect the physical assets that power your business.

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Overview

What Is Commercial Property Insurance?

Commercial Property Insurance covers the physical assets your business relies on. Whether you own or lease your space, this policy protects buildings, equipment, furniture, stock, and more — helping you rebuild or replace what’s damaged after a loss.

If disaster strikes, your business can’t afford downtime. Property insurance gets you back up and running fast.

What’s Covered

What Does Commercial Property Insurance Cover?

1
Buildings & Structures
Owned buildings, warehouses, offices, and retail spaces.
2
Contents & Equipment
Furniture, computers, machinery, tools, and office gear.
3
Inventory & Stock
Products you sell, raw materials, and goods-in-storage.
4
Business Interruption (Optional)
Add-on to cover lost income during a shutdown caused by covered damage.
5
Outdoor Fixtures
Signage, fences, landscaping, and exterior lighting.
6
Tenant Improvements
Upgrades made to leased spaces like flooring, custom walls, etc.

Covered Events Include:

  • Fire and smoke damage
  • Storms, wind, and hail
  • Theft and vandalism
  • Burst pipes and water damage (excluding flood unless added)
  • Civil commotion or riot
  • Vehicle/aircraft impact

Optional riders available for flood, earthquake, and equipment breakdown coverage.

Who Needs It?

Is This Coverage Right for You?

You likely need this policy if you:

  • Own or lease office, retail, or warehouse space
  • Manufacture, store, or distribute physical goods
  • Rely on high-value tools or machinery
  • Store inventory or client property on-site
  • Need to meet lease or lender insurance requirements

Industries We Serve:

  • Retail & E-commerce
  • Manufacturing & Warehousing
  • Technology Startups
  • Construction & Contracting
  • Healthcare, Salons, and Studios
  • Hospitality & Restaurants
Why Choose GlobalPayGuard for E&O?

The GlobalPayGuard Difference

Scalable Coverage

From a single retail unit to global warehouses

Customizable Limits

Protect what you need, no more or less

Quick Payouts

Our average claim resolution is under 14 days

Bundle & Save

Combine with BOP, Business Interruption, or General Liability

Global Options

Policies available in 40+ countries

Real Claims We’ve Covered

  • A fire damaged a local café, destroying appliances and forcing a 3-week closure.
  • A break-in at a startup's office led to the theft of laptops and servers.
  • A burst pipe flooded a retail store, ruining the inventory before launch weekend.
  • A windstorm collapsed the signage of a distribution center, causing equipment damage.
FAQs

Does this cover rented or leased property?
Yes. We offer policies for both owners and tenants — including tenant improvements you’ve made.
What’s not covered?
Wear and tear, intentional damage, and some natural disasters (like floods or earthquakes) unless specifically added.
Can I add this to a bundle?
Definitely! It’s often included in a Business Owner’s Policy (BOP) with General Liability.
How do I value my assets for coverage?
Our advisors help you assess current replacement value and recommend appropriate coverage limits.

Get the Coverage Your Business Deserves

Don’t let one unexpected event threaten everything you’ve built. We make commercial property insurance easy and accessible no jargon, no pressure.

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